Cost if you take SHIP
The 2026-27 premium for the Vanderbilt University Student Health Insurance Plan (SHIP), UnitedHealthcare, administered by Academic HealthPlans is $2,724–$4,484 a year (student only). It is billed to your student account unless your waiver is approved.
Two semi-annual terms (8/12/26-12/31/26 and 1/1/27-8/11/27): domestic undergrad $1,362 x 2 = $2,724; other grad/professional $2,122 x 2 = $4,244; all international students and PhD/MFA $2,242 x 2 = $4,484. Early-arrival international coverage (7/1-8/11/26, $488) 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
Vanderbilt University does not allow waivers for most international students. Review the exceptions below and budget for the full SHIP premium.
- International students: only comparable US-based employer coverage (own or dependent's employer)
- Marketplace individual, travel and home-country employer plans not accepted
- ACA-compliant, US-based insurer with US phone and address
- Unlimited access to providers within 25 miles of campus
- At least 80% coverage, no lifetime maximum; in-network deductible max $1,000
- Medical evacuation $50,000 and repatriation $25,000 for international students
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 Vanderbilt University SHIP premium ($2,724–$4,484 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: myahpcare.com
- Waiver deadline: vanderbilt.edu
- Waiver criteria: vanderbilt.edu