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Rates & Name Update

The new rates for SHIP will be released once UHS is permitted by the Department of Insurance. We appreciate your patience. Please check back for more updates. 

FirstStudent and First Risk Advisors, Inc. are now UnitedHealthcare Companies. Emails will be coming from noreply@uhcsr.com.

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 2022: April 1, 2022 – August 30, 2022
  • Spring 2023: November 1, 2022 - January 17, 2023
  • Summer 2023:  March 1, 2023 – July 5, 2023

Plan Details & Eligibility

Eligibility

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 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 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 SHIP for Penn State by logging on to LionPATH and selecting "Health Insurance," "Enroll," and following the additional steps prompted.

Coverage Highlights and Comparison
Plan SHIP for Penn State (Undergraduate) HealthCare.gov Platinum
Premium-undergraduate $2,732.00
($227.67/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)  
     

 

2022-2023 SHIP Coverage Rates

Undergraduate Rates

Coverage

Annual
August 13, 2022- August 12, 2023

Fall
August 13, 2022-December 31, 2022
Spring/Summer
January 1, 2023 - August 12, 2023
Individual  $2,732.00 $1,059.00 $1,673.00
Two or more children $5,464.00 $2,118.00 $3,346.00
Spouse and two or more children $8,196.00 $3,177.00 $5,019.00

Graduate & Law Rates

Coverage

Annual
August 13, 2022- August 12, 2023

Fall
August 13, 2022- December 31, 2022
Spring/Summer
January 1, 2023 - August 12, 2023
Individual $3,355.00 $1,300.00 $2,055.00
Two or more children $6,710.00 $2,600.00 $4,110.00
Spouse and two or more children $10,065.00 $3,900.00 $6,165.00

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

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Student Health Insurance Plan for Penn State