The Student Health Insurance Plan (SHIP) for Penn State is a comprehensive health insurance plan offered at a competitive price with a network in all 50 states. SHIP is offered and underwritten by UnitedHealthcare StudentResources.
Open enrollment dates
- Fall open enrollment runs from April 1 – September 3, 2024.
- Spring open enrollment runs from November 15, 2024 – January 21, 2025.
- Summer open enrollment runs from March 1, 2025 – July 1, 2025.
Plan Details & Eligibility
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SHIP is available to:
- Undergraduate students enrolled in 6 or more in-person credits
- Graduate and medical students enrolled in 4 or more in-person credits
- Law students enrolled in 6 or more in-person 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 SHIP must actively attend classes for at least the first 31 days after the date when coverage becomes effective.
SHIP is not available to:
- Undergraduate students enrolled in 5 or fewer in-person credits
- Graduate and medical students enrolled in 3 or fewer in-person credits
- Law students enrolled in 5 or fewer in-person 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.
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Eligible students can enroll for health care coverage with SHIP for Penn State by logging on to LionPATH and selecting "Health Insurance," "Enroll," and following the additional steps prompted.
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Plan SHIP for Penn State (Undergraduate) HealthCare.gov Platinum Premium-undergraduate $3,011.00
($250.92/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 $10/$30/$60 copay (waived at University Health Services Pharmacy) Emergency Room Visit $150 copay (waived if admitted)
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Undergraduate Rates
Coverage Annual
August 13, 2024- August 12, 2025Fall
August 13, 2024-December 31, 2024Spring/Summer
January 1, 2025 - August 12, 2025Individual $3,011.00 $1,163.00 $1,848.00 Two or more children $6,022.00 $2,326.00 $3,696.00 Spouse and two or more children $9,033.00 $3,489.00 $5,544.00 Graduate & Law Rates
Coverage Annual
August 13, 2024- August 12, 2025Fall
August 13, 2024- December 31, 2024Spring/Summer
January 1, 2025 - August 12, 2025Individual $3,623.00 $1,399.00 $2,224.00 Two or more children $7,246.00 $2,798.00 $4,448.00 Spouse and two or more children $10,869.00 $4,197.00 $6,672.00 For complete rate information, please visit the United Healthcare Student Resources to view the plan flyers.