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How Does the Waiver Policy Work?

Students can purchase their own insurance plan and waive the �����ջ� plan if it meets the minimum requirements set by the University of Colorado Denver. (Requirements are listed below.) Before purchasing alternative insurance, be sure that ALL of the requirements are met, especially preventive care and mental health benefits!

Waiver requests must be submitted electronically each fall and spring semester. You must provide proof of your own health insurance.

It is mandatory that your health insurance policy starts no later than the first day of the semester and covers you for the entire time that you will be in the U.S., including holidays and semester breaks.

Insurance Waiver Requirements

Your insurance must meet ALL the requirements listed below:

• The annual deductible cannot exceed $500.00
• Medical benefits of at least $1,000,000.00 per plan year with no internal (per service) dollar limits or per visit limits for specific benefits; this includes preventive care benefits and mental health benefits
• Co-insurance cannot be less than 75% for Preferred Provider (PPO) networks and access to non-emergent and non-urgent network providers in the Denver metro area
• Repatriation of remains in the amount of $25,000.00
• Medical evacuation benefits to student’s home country of at least $50,000.00
• No pre-existing condition limitations
• Coverage for maternity regardless of when a student becomes pregnant
• Coverage of suicide and self-inflicted injury (intentional or non-intentional)
• The health insurance company is a U.S.-based carrier or entity underwritten by an insurance corporation with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above
• The plan must be compliant with all the guidelines of the Patient Protection and Affordable Care Act
• The claims administrator must be based in the U.S.
• The plan must be underwritten in the U.S. (plans underwritten by offshore companies that are subsidiaries of U.S. or non-U.S. insurance corporations do not meet this requirement)
• The policy must be active at all times when the student is in the U.S. as a student of �����ջ�, including upon arrival in the U.S., during semester breaks, and on or before the first day of the semester.

Before purchasing alternative insurance, be sure that ALL of the requirements are met, especially preventive care and mental health benefits.

Important Note: You cannot waive out of the summer enrollment period. 

How to Enroll

All international students with an F-1 or J-1 visa who have not received an approved waiver will be automatically enrolled in the university’s insurance. You will receive your enrollment materials from United Healthcare. If you need your insurance materials earlier, you can enroll immediately by visiting  and click "OPT IN". If you are an international student enrolling your dependent(s), you may enroll them at  or through your .

Recent Graduates & OPT Students

�����ջ� international graduates, can opt-in for 1 to 3 months of Continuation Coverage through the �����ջ� International Student Health Insurance Plan (ISHIP) after the end of their graduation term. Only students who were enrolled in �����ջ� ISHIP for the semester in which they are graduating will be eligible for Continuation Coverage. For example, an ISHIP insured student who graduates in Fall would be eligible to enroll in coverage from 1/1 to 3/31, while a Spring graduate would have the option from 8/1 to 10/31. Coverage must be purchased within 14 days after the expiration date of your previous coverage. Students pursuing OPT are included in this eligibility option. Please click on the links to learn more about  and . Please see the Continuation Coverage Enrollment Form for details.

Supplemental Medical Evacuation & Repatriation Benefits

If the student’s alternative insurance plan meets all of the requirements except the Repatriation of Remains in the amount of $25,000.00 and the Medical Evacuation benefits to the student’s home country of at least $50,000.00; they can purchase a separate Medical Evacuation and Repatriation (MER) insurance plan by enrolling at for the American College Student Association to meet those requirements.