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The Penn State Student Health Insurance plan (SHIP) is a  comprehensive health insurance plan offered at a competitive price with a wide network of providers across the United States. The Penn State SHIP is offered through First Risk Advisors, underwritten by United Healthcare Student Resources.

Open enrollment dates for Summer 2020: March 1 - July 6

Open enrollment dates for Fall 2020: May 1 - September 1

Plan Details & Eligibility

Eligibility

The Penn State SHIP is available to:

  • Undergraduate students enrolled in 6 or more credits
  • Graduate and medical students enrolled in 4 or more credits
  • Law students enrolled in 6 or more credits
  • All international (non-U.S.) students 
  • Undergraduate students who are enrolled in the Intensive English Communication Program (IECP); or those who participate in a cooperative work experience program as part of their required academic program

Students who meet eligibility requirements for the Penn State SHIP must actively attend classes for at least the first 31 days after the date when coverage becomes effective.

The Penn State SHIP is not available to:

  • Undergraduate students enrolled in 5 or fewer credits
  • Graduate and medical students enrolled in 3 or fewer credits
  • Law students enrolled in 5 or fewer credits
  • Undergraduate/graduate students enrolled in independent study through correspondence classes
  • Undergraduate/graduate students enrolled in home study, correspondence, and television courses
  • Individuals not currently enrolled at Penn State who are auditing courses
  • World Campus students

Please note: a change in student registration status that no longer meets the criteria listed above may result in termination of student health insurance benefits. Enrollment will be audited to ensure that eligibility is met.

Please visit our Eligible Dependent page for more information on dependent coverage.

How to Enroll

Eligible students can enroll for health care coverage with the Penn State SHIP by logging on to LionPATH and selecting "Health Insurance," "Enroll," and following the additional steps prompted.

Coverage Highlights and Comparison
Plan Penn State SHIP (Undergraduate) HealthCare.gov Platinum
Premium-undergraduate $2,537.00
($211.42/month)

$6,360 - $8,520
($530 - $710/month)

Deductible-individual $250 (for services outside of University Health Services) $250
Out-of-Pocket Max, in-network individual $1,300 (for services outside of University Health Services) $1,500
PCP Office Visit Copays $10/visit (waived at University Health Services) $20/visit
Prescription, in-network    
Emergency Room Visit    
     

 

2020-2021 SHIP Coverage Rates

Undergraduate Rates

Coverage

Annual
August 13, 2020- August 12, 2021

Fall
August 13, 2020-December 31, 2020
Spring/Summer
January 1, 2021 - August 12, 2021
Individual $2,537 $984 $1,553
Two or more children $5,074 $1,968 $3,106
Spouse and two or more children $7,611 $2,952 $4,659

Graduate & Law Rates

Coverage

Annual
August 13, 2020- August 12, 2021

Fall
August 13, 2020- December 31, 2020
Spring/Summer
January 1, 2021 - August 12, 2021
Individual $3,393 $1,314 $2,079
Two or more children $6,786 $2,628 $4,158
Spouse and two or more children $10,179 $3,942 $6,237

For complete rate information, please visit the First Student website to view the plan flyers.