Cost if you take SHIP
The 2026-27 premium for the OSU Student Health Insurance Plan (SHIP) - PacificSource is $2,736 a year (student only). It is billed to your student account unless your waiver is approved.
The International/INTO OSU rate is $912 per term for Fall, Winter and Spring. Spring runs 3/21/2027-9/10/2027 and includes summer, so 3 x $912 = $2,736. This includes a $70/term administrative fee that is billed separately. A summer-only term costs $700.
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 Oregon State University, your alternative plan must meet these criteria (summarised — the official list is binding):
- Only three categories of international students may waive
- Students sponsored by an embassy or cultural mission (automatic waiver)
- Graduate Teaching Assistants and Graduate Fellows (automatic waiver)
- Students covered by a US-based employer group plan (must request waiver)
- One waiver request per term, within the open enrollment period
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 Oregon State University SHIP premium ($2,736 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: pacificsource.widen.net
- Waiver deadline: studenthealth.oregonstate.edu
- Waiver criteria: studenthealth.oregonstate.edu