Opt-Out

If you do not want the Student Health Insurance Plan, you must decline or opt-out of coverage by submitting a waiver. You may only opt-out of coverage during the following Waiver Periods:

Fall - 06/17/2025 - 09/02/2025

Spring/Summer - 11/04/2025 - 01/23/2026

Summer - 04/29/2026 - 05/29/2026 

Student Health Insurance Plan Waiver Criteria

The University of St. Thomas allows an international student to request a waiver to the student health insurance plan by providing alternative health insurance coverage. In order to be approved for a waiver, your alternate health coverage must meet the requirements and be submitted with proof documentation prior to the September 02, 2025 deadline.

Criteria to submit a waiver request:

1. Student is covered by a U.S. employer health insurance plan that is compliant with the Affordable Care Act (ACA).
2. Student is covered by a parent/spouse’s U.S. employer health insurance plan that is compliant with the Affordable Care Act (ACA).

Please note: travel plans or any plan only sold to international students or that require you to pay for treatment yourself and then apply for reimbursement will NOT be acceptable for waiving the University of St. Thomas Student Health Plan.

If you meet one of the above criteria, then your alternative health insurance coverage must meet the following minimum requirements:

1. Medical coverage is unlimited
2. Medical Evacuation Coverage is $10,000 or more*
3. Repatriation Coverage is $7,500 or more*
4. Dates of coverage meet or exceed the requirement for the policy year.

If your alternate coverage meets the above minimum requirements, secure the following scanned documents to submit a waiver request:

1. The front and back of your insurance card
2. The insurance policy benefits summary, in English, that identifies you as a covered individual, provides the dates of your coverage, and clearly indicates that the coverage meets or exceeds the minimum requirement. Coverage amounts must be in US dollars.
3. The proof of medical evacuation and repatriation coverage (if you have this coverage)

*If your alternate coverage meets all waiver requirements except for the medical evacuation and repatriation coverage, you will need to purchase the AES coverage before your waiver can be approved.