Cost if you take SHIP
The 2026-27 premium for the SUNY International Student Health Insurance Plan (UnitedHealthcare Student Resources) is $2,403.01 a year (student only). It is billed to your student account unless your waiver is approved.
Published annual student rate; equals Fall $1,006.73 + Spring/Summer $1,396.28. The separate mandatory Student Health and Counseling Center fee is not included.
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 Stony Brook University, your alternative plan must meet these criteria (summarised — the official list is binding):
- Comparable coverage that meets the University's required standards
- Out-of-state Medicaid plans and the NY Essential Plan are not accepted
- Named insurers rejected, e.g. ISO, HTH Worldwide, IMG, GeoBlue, Seven Corners, Compass
- Also rejected: Kimber Health, ISP, UHC PGH/Student Resources, Tokio Marine HCC
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 Stony Brook University SHIP premium ($2,403.01 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: stonybrook.edu
- Waiver deadline: stonybrook.edu
- Waiver criteria: stonybrook.edu