International Studies & Programs

Mandatory Health Insurance

All incoming American Semester Program or Exchange students are automatically enrolled in the mandatory Student Health Insurance Plan through MSU when they register for classes. The health insurance coverage offered through MSU meets the necessary federal requirements and important standards to support the student in the event of medical need.


Health insurance coverage in the United States is very expensive. In an effort to protect our American Semester Program or Exchange students from experiencing medical emergencies without sufficient insurance coverage, MSU requires international students to hold suitable health insurance coverage during their entire time in the United States. 

This portion of the website will provide a bit more information about the mandatory insurance coverage and a possible waiver of the MSU insurance.


What are the details of the insurance coverage through MSU?

More information about the insurance coverage offered through MSU can be found on the HR Student Insurance page.

Be sure to read everything carefully. For questions, you will want to reach out to MSU Human Resources at 800-353-4434 or email SolutionsCenter(at)hr.msu.edu.

Why must I have health insurance coverage?

Medical care in the U.S. is very expensive and the U.S. federal government mandates that all students entering the United States in student visa status, are required to have health acre coverage for their time in the U.S. This is important for all students, because even very healthy students may find the need for medical care from time to time.

Short-term students who are U.S. citizens do not automatically get enrolled in the health insurance coverage through MSU. However, students who voluntarily wish to enroll in the coverage should refer to the question below.

I am a U.S. citizen, can I be covered for health insurance through MSU?

Yes, our short-term students who are U.S. citizens are the exception and they will not be automatically enrolled in the coverage through MSU, but they are certainly eligible to enroll for the coverage through MSU.

Interested students will need to contact the Solutions Center at MSU directly to enroll into the coverage and be charged through their student account at MSU.

If you are a U.S. citizen coming to MSU as a short term student and you have your own health insurance coverage, you do not need to file a health insurance waiver. You will want to make sure that any health insurance coverage you take out offers sufficient benefits in case you encounter medical need during your program. It is also important to note that the health insurance coverage you have back home may not cover medical expenses while abroad. Please be sure to look at this early and take out any additional coverage you will need.

Can I file a waiver of the health insurance coverage through MSU?

Yes, it is possible to file a waiver of the health insurance coverage through MSU as long as the insurance you hold meet a certain list of requirements. Your health insurance coverage must meet all the requirements on this list. Please work with your insurance provider to ensure you have the necessary paperwork in English to show what you are covered for by your insurance.

The waiver can only be filed after arrival on campus and registering for classes, but there is always enough time for this process as long as students have all the necessary details and paperwork for the waiver.

It is the student's responsibility to submit all paperwork for the health insurance waiver by the necessary deadlines.

When can I file the health insurance waiver?

The health insurance waiver can only be filed after students have been enrolled and registered for a specific semester at MSU. Many of our students finalize their course schedules after arrival on campus, which means that the best time to file the waiver will also be after arrival on campus!

Don’t worry, there is enough time for the waiver to go through as long as you file the waiver during the first or second week of classes. For the fall semester, the waiver period ends in the end of September and for the spring semester the waiver period ends by mid-February. Exact dates for the health insurance waiver period are listed on the HR Student Health Insurance Waiver page.

It is the student's responsibility to file all necessary documents for the health insurance in time so that the waiver can be approved by the deadline.

What do I need to prepare for the health insurance waiver?

The health insurance waiver can only be filed after students have been enrolled and registered for a specific semester at MSU. Many of our students finalize their course schedules after arrival on campus, which means that the best time to file the waiver will also be after arrival on campus!

Don’t worry, there is enough time for the waiver to go through as long as you file the waiver during the first or second week of classes. For the fall semester, the waiver period ends in the end of September and for the spring semester the waiver period ends by mid-February.

What can you do before arrival?

1. Check that your health insurance coverage meets these important health insurance requirements

You will only be able to waive the insurance provided through MSU if these requirements are met.

2. Collect all necessary information (needed at the time you file the waiver)

The waiver form is only available through the online system that you will be very familiar with once you start your time at MSU (StuInfo) [need link]. When you start the waiver, the following is very important:

  • You will need to know the exact dates of your coverage and the dates must span the entire length of your stay in the U.S.
  • Have your insurance policy and insurance card (if available) ready – you will want to have these documents as hard copies and as electronic copies.
  • Identify yourself as an exchange student in the American Semester Program. This is best done when you send the electronic insurance documents to the responsible office (after officially filing the waiver). 

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