UT Health Insurance Guide 保险查询与豁免指南

For International Students (F-1/J-1)

Mandatory UT Student Health Insurance Plan (SHIP) is automatically charged each semester. Check What I Owe → look for "Student Health Insurance" charge. If you have comparable coverage, apply for a waiver via the ISSS Insurance Waiver Guidance Page.

For Domestic Students

SHIP is optional. You can enroll voluntarily via UHS Insurance. If you have other coverage (parent's plan, marketplace, etc.), no action needed unless you want SHIP.

Check If You Have an Insurance Bar

Go to Registration Information Sheet (RIS). An "Insurance Bar" prevents registration. Clearing it requires either: (1) waiver approval, or (2) SHIP payment showing on What I Owe.

Fall Semester

Waiver opens: ~June 1 | Waiver deadline: 12th class day (~early September)

Spring Semester

Waiver opens: ~November 1 | Waiver deadline: 12th class day (~early February)

Summer

Separate summer waiver if enrolled. Deadline: 4th class day of summer session.

Waiver Denied?

Common reasons: coverage dates don't span full semester, benefits below minimums, plan not ACA-compliant, missing documents. Review denial email, fix gaps, and re-submit if before deadline.

Insurance Bar Not Clearing After Payment?

Payment on What I Owe may take 24-48 hours to reflect on RIS. If still showing after 2 business days, contact UT Service Desk or UHS Billing.

Dependents (F-2/J-2)?

Dependents are NOT automatically enrolled. They can voluntarily enroll in SHIP via UHS Insurance page. No waiver needed for dependents.

Graduating / Leaving UT?

SHIP coverage ends last day of semester. If graduating early, contact UHS to discuss coverage extension options (typically 30-60 days post-graduation).

Official UT Insurance Pages

• ISSS Insurance Home — International student requirements, waivers, FAQs
• UHS Insurance — SHIP benefits, enrollment, claims, provider search
• SHIP Plan Details — Coverage summary, deductibles, copays, pharmacy

Tools & Portals

• What I Owe — Check insurance charge/payment status
• Registration Information Sheet (RIS) — Check for insurance bar
• ISSS Insurance Waiver Guidance Page — Submit/manage waivers

Contact for Help

• ISSS Advising — Immigration/waiver questions
• UHS Billing/Insurance — SHIP enrollment, claims, coverage questions
• UT Service Desk — Technical issues with portals