Opt-Out/Waiver

If you want to decline the mandatory PSU Student Health Insurance Plan, you must opt-out of/waive coverage by submitting a waiver if you have your own comparable health insurance*. Please read the important information below before doing your waiver.

Only one waiver per academic year is required. PSU academic year restarts every Fall term in September.

You may only opt-out of coverage during the following Waiver Periods:

Fall - 08/01/2025 - 10/12/2025

Winter - 11/03/2025 - 01/18/2026

Spring/Summer - 02/11/2026 - 04/12/2026

Summer Only - 05/04/2026 - 07/05/2026

DOMESTIC STUDENTS WAIVER INFORMATION

Before completing your online waiver, please follow these steps:

1. You first must be registered for five (5) or more credits and wait 24 hours for the waiver system to update.
2. Your own health insurance plan* must meet the requirements:
   1. Have a $2,500 or less individual deductible
   2. Cover at least 70% of inpatient hospitalization
   3. Be active on or before the first day of the term you are waiving
   4. If you have OHP or VA coverage, you have a $0 deductible and 100% coverage for hospital. It is not required to upload a benefit summary, just your insurance or military card.
3. Have your medical ID card ready. If you do not have an insurance ID card, please be sure you type in the full medical ID# correctly or your waiver audit will be delayed and possibly denied.
4. Be sure your waiver application gets submitted successfully. You will see an automatic error message if a field is missing. Incomplete waivers will not count. Successful waivers will get instant confirmation of receipt plus an email.
5. Address all insurance, waiver and waiver appeal questions to: [email protected]

*Pooled gifting plans are not accepted as guaranteed health insurance plans, i.e. Liberty Health Share, Medi-Share, etc.

INTERNATIONAL STUDENTS WAIVER INFORMATION

For insurance questions, email [email protected]

There are three (3) circumstances in which a J-1 or F-1 international student may waive out of the PSU Student Health Insurance Plan:

1. You are sponsored by your government and provided U.S. healthcare that meets below criteria, or
2. You or your spouse, or your parent are employed by a U.S. employer (i.e. Intel), and they provide you U.S. healthcare that meets the below criteria, or
3. You are a J-1 student who purchased health insurance with medical evacuation/repatriation prior to arriving in the U.S.

All other J-1 or F-1 students may not waive out of the mandatory PSU Student Health Insurance Plan.

If you do meet one of the 3 above criteria, then your private health insurance* must:

• Have a yearly individual deductible of $2,500 or less
• Cover at least 70% of inpatient hospitalization
• Provide minimum coverage of $50K for medical evacuation and repatriation
• Be active by the first day of the term you are waiving

*International students may not waive out of the PSU Student Insurance Plan with Oregon Health Plan or any other Medicaid plan.