Cost if you take SHIP
The 2026-27 premium for the Emory University Student Health Insurance Plan (EUSHIP), Aetna Student Health is $5,592 a year (student only). It is billed to your student account unless your waiver is approved.
Annual student-only premium 8/1/26-7/31/27 (Fall-only $2,330; Spring/Summer $3,262). Optional pre-fall coverage for some programs excluded.
Waiver deadline
Submit your waiver request before the deadline above. Universities rarely accept late waivers — if you miss it, you are auto-enrolled in SHIP and billed the full premium.
Waiver requirements
According to Emory University, your alternative plan must meet these criteria (summarised — the official list is binding):
- US-based claims administrator, US phone/address, policy issued in the US
- Covers at least 75% of usual and customary charges in Atlanta area
- No exclusions or limits for pre-existing conditions
- 100% preventive care incl. vaccinations in Atlanta area
- Covers inpatient/outpatient mental health and substance abuse treatment
- Prescription drug coverage; no cost-sharing or co-op programs
Private plans you could submit
These private US student health plans are in our comparison. None is automatically accepted — check the policy maximum, deductible, claims address and the other points above against the plan's terms before you buy:
- ISO Student Health Insurance — from $33/month
- WorldTrips StudentSecure — from $40/month
- Compass Student Insurance — from $43/month
- IMG Patriot Exchange Program
What a waiver can save
Your saving is the Emory University SHIP premium ($5,592 a year) minus the price of a private plan the university accepts. Private plans in our comparison start at $33/month ($396/year) for the youngest age band; plans that meet strict waiver criteria usually cost more. Compare the real price of the plan you would submit before you decide.
- Premium: studenthealth.emory.edu
- Waiver deadline: studenthealth.emory.edu
- Waiver criteria: studenthealth.emory.edu