Opt-Out

If you do not want the Student Health Insurance Plan, you must decline or opt-out of coverage by submitting a waiver. You may only opt-out of coverage during the following Waiver Periods:

Fall I - 07/14/2025 - 09/30/2025

Spring I - 12/01/2025 - 03/15/2026

Spring II - 12/01/2025 - 03/15/2026

Spring III (Summer) - 04/13/2026 - 07/10/2026

MSU international students and medical (College of Human Medicine - CHM, College of Osteopathic Medicine - COM, and College of Veterinary Medicine - Vet Med) are automatically enrolled in the MSU Student Health Insurance Plan (SHIP). All medical students and a limited number of eligible international students who can demonstrate other insurance coverage that meets the applicable waiver criteria may apply for a waiver. Wavier requests must be made by the University’s deadline. Late waiver requests will not be accepted. Your alternate insurance must meet the following criteria:

International Student Waiver Criteria

If your insurance meets the following criteria, please contact [email protected] to have your waiver eligibility updated for the waiver period.

• Must be an Employer Plan.
• Covers a minimum of $500,000 per condition without time limitation.
• Has a policy year deductible of $500 or less per individual.
• Covers inpatient and outpatient medical services (including labs and x-rays).
• Covers inpatient and outpatient mental health services.
• Covers prescriptions up to a minimum of $500,000.
• Provides coverage worldwide.
• Has $50,000 or more provision for medical evacuation to your home country.
• Has $25,000 or more provision for repatriation (removal of remains after death) to your home country.
• Provides coverage for the waiver period requested.

Medical/Veterinary Student Waiver Criteria (Human Medicine/Osteopathic Medicine/Vet Medicine)

• Covers hospitalization.
• Covers preventative services like annual physicals.
• Covers emergency care.
• Covers lab work and x-rays.
• Covers prescriptions.
• Covers mental health and substance abuse treatments.
• Provides coverage for the waiver period requested.