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Student Health Insurance

The University System of Georgia (USG) has partnered with United Health Care to offer health insurance to all USG students.  There are two types of plans – mandatory and voluntary.  International students fall under the mandatory plan and must be insured.  If you fall into one of the mandatory categories listed below, and you are not covered by an insurance policy (i.e. through parent plans, family plans or employer-sponsored plans) that meets the minimum standards of insurance as set by the Board of Regents, you must enroll in the USG - Student Health Insurance Program (SHIP) plan. Your registration will be automatic and the charge will be applied to your student bill.

  • All undergraduate and ESL international students holding F or J visas.
  • All undergraduates enrolled in programs that require proof of health insurance.

If you are already covered by a health insurance plan that meets the minimum benefits, you can easily opt out of USG-SHIP by applying for a waiver.

2021-2022 Policy Year Rates

*Premiums are based on “standard base rate” your rate may vary dependent on your enrollment dates.

SHIP Mandatory Plan Fall Premium Spring Summer
Students Only $1,013.00 $1,000.00 $404.00


2021-2022 USG SHIP Benefits

2021 - 2022 USG SHIP Plan Benefits Highlights and Plan Premiums
USG SHIP Benefits
Annual Individual Deductible: $500.00
Coinsurance Percentage: 80%
Out-of-Pocket Maximum: $6350
Non-SHC Office Visit Copays: (PCP/Specialist) $20/$20
Prescription Drug Copays: $25/$50/$75
Lifetime Benefit Limit: Unlimited
Annual Premiums Mandatory Enrollment Voluntary Enrollment
Student Only $2,417 (-14%) $3,388 (+20%)
Spouse $2,659 (-14%) $3,727 (+20%)
Child $2,659 (-14%) $3,727 (+20%)
All Children $5,318 (-14%) $7,455 (+20%)
All Dependents $7,977 (-14%) $11,181 (+20%)

View the Mandatory Student Health Insurance waiver and enrollment forms.

Voluntary Insurance

The Voluntary rates are different from the mandatory rates above.

View the Voluntary Student Health Insurance Information.


2021-2022 Policy Year Annual Premiums