Domestic Student Health Insurance Requirement
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Domestic Student Health Insurance Requirement
All MSU Denver Students taking 9 or more credit hours in the Fall or Spring are required to have health insurance that complies with the University Requirement. If you’re an International Student, please refer to the International Student Health Insurance Requirement.
Students can meet the requirement by fulfilling option A or B.
Option A:
Students can accept automatic enrollment in the University-sponsored Student Health Insurance Plan (SHIP). There is no need to take any action or to sign up for SHIP.
Enrollment in SHIP is automatic when a student registers for 9 or more credit hours in the Fall or Spring. The SHIP premium is automatically added to a student’s tuition and fee account.
Students who register for 9 or more credit hours, but subsequently drop below 9 credit hours before the waiver deadline, will automatically have the insurance charge removed from their tuition bill and will not be covered by SHIP for the semester.
Option B:
Students insured by a University compliant health plan can submit an online health insurance waiver form by the deadline to opt-out of the University sponsored SHIP.
A waiver form is required for each Fall and Spring semester of attendance.
Students who are registered for 9 or more credits and have a University compliant health plan, can opt-out of SHIP by accessing the Health Insurance waiver link under the Student Hub. Coverage Dates, Premiums & Deadlines.
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Students who do not opt-out by the deadline will show having the health insurance premium on their tuition bill and will be automatically enrolled. There will be no refunds after the deadline.
Opt-Out Health Insurance Waiver Requirements
To opt-out of the Student Health Insurance Plan your insurance plan must be effective as of September 1 for Fall semester or February 1 for Spring Semester, have continuous coverage and meet all requirements listed below.
Health insurance coverage must be comparable to the following:
- Allow you to receive health care services anywhere in Colorado.
- Offers an unlimited annual maximum (no cap).
- Does not have a pre-existing condition limitation.
- Annual out-of-pocket limit that does not exceed the current Marketplace individual and family plan limits.
- Includes the ten essential health benefits listed below.
Required Ten Essential Health Benefits:
- Ambulatory Patient Services
- Chronic Disease Management
- Emergency Services
- Hospitalization
- Laboratory Services
- Maternity and Newborn Care
- Mental Health and Substance Use Disorder Treatments (including behavioral health treatment)
- Prescription Drugs
- Preventive and Wellness services
- Rehabilitative and Habilitative Services and Devices
Note: The MSU Denver Student Health Insurance Plan includes the benefits listed above, plus more!
The following types of health insurance do not include all Ten Essential Health Benefits and do not qualify to opt-out of the University requirement:
- Plans issued outside of the United States of America (USA)
- Travel Plans
- Colorado Indigent Care Program (CICP)
- Minimum Essential Coverage (MEC)
- Catastrophic Plans
- Short Term Medical Plans (STM)
- Injury Only Plans
- Hospital Only Plans
- Cancer Only Plans
- Flexible Spending Accounts (FSAs)
- Health Reimbursement Accounts (HRAs) without an attached health insurance plan
