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Health Insurance requirement for international students

Health Insurance Is Required
Health insurance is very important.  UK requires all international students (on an F-1, J-1, or J-2 visa) to have qualifying health insurance coverage.  International students are automatically enrolled in the UK Student Health Insurance Plan (SHIP) when they register for classes.  You are “on the SHIP!”  You do not need to fill out any forms to enroll in SHIP. 
The cost of SHIP will be added to your student bill.  Fall 2015 coverage (August 15, 2015-December 31, 2015) costs $843.  Spring/Summer 2016 coverage (January 1, 2016-August 14, 2016) costs $1,343.  You may choose to buy coverage for your spouse and/or children through the insurance company’s website, learn more at    
How do I get my health insurance identification (ID) card?
You will not receive an ID card in the mail.  About one week after classes begin, ID cards are available through an online account with the health insurance company.  Go to, from the “Quick Links” section, click “Create an Account Instructions” to get started.  Call UnitedHealthcare/StudentResources at 1-866-907-6342 if you need assistance.
Understand your plan
In the United States, having health insurance does not make all medical services free.  It is your responsibility to understand your health insurance coverage.  Read more about your plan at  Call the customer service department at 1-855-856-2385 with your questions or email the UK SHIP Office at for assistance.
NOTE:  English as a Second Language (ESL) students have different insurance enrollment and waiver procedures.  Email for assistance.
Health Insurance Waiver Process
In rare circumstances, when a student already has qualifying health insurance provided by an employer, government sponsor or exchange agency, they are eligible to provide documentation of their alternate health insurance coverage by applying for an insurance waiver.  When a waiver is approved for a qualifying alternate plan, UK will cancel that student’s eligibility for the SHIP for one semester.  Waivers must be completed each semester in order to cancel the SHIP charge.
Due to federal regulations, and for your protection, all alternate health insurance must comply with the Affordable Care Act (ACA) minimum standards for health insurance coverage.
Who can apply for a health insurance waiver?

  • Students with health insurance coverage provided by an employer,
  • Students with health insurance coverage provided by a government sponsor, or
  • Exchange students with group coverage provided by the organization coordinating their exchange

Which waiver applications are approved?
Approved waiver applications must meet all four of the following:

  1. Be received by the posted deadline,
  2. Include all requested insurance documents,
  3. Provide documentation of medical evacuation and repatriation benefits*, and
  4. Show evidence of unlimited coverage for all “essential benefits” outlined in the Affordable Care Act (ACA) standards.

*Medical evacuation and repatriation coverage may be purchased separately if needed.
Which waiver applications are denied?
Waiver applications will be denied if:

  • Application/documentation is incomplete or late,
  • Coverage is provided through a Travel Insurance plan,
  • Plan is missing any element of the Affordable Care Act (ACA) standards, or
  • Coverage will not be active for the entire semester.

How do I complete a waiver?

  • You will receive an email from UK International Center ( on August 3, 2015 with a special link to the waiver system and waiver submission instructions.
  • Information is available at under the “Waiver” tab.
  • Call Academic HealthPlans with any questions at 1-855-856-2385.

Deadline for Fall Waiver Applications:  September 22nd
Deadline for Spring/Summer Waiver Applications: February 22nd