Student Health Insurance Requirement Video

Health Insurance Requirement

All MSU Denver Students taking 9 or more credit hours in the Fall or Spring are required to have health insurance that complies with the University Requirement.



Students can meet the requirement by fulfilling option A or B. 

Option A:

Students can accept automatic enrollment in the University-sponsored Student Health Insurance Plan (SHIP). There is no need to take any action or to sign up for SHIP.

Enrollment in SHIP is automatic when a student registers for 9 or more credit hours in the Fall or Spring. The SHIP premium is automatically added to a student’s tuition and fee account.

Students who register for 9 or more credit hours, but subsequently drop below 9 credit hours before the waiver deadline, will automatically have the insurance charged removed from their tuition bill and will not be covered by SHIP for the semester.

Option B:

Students insured by a University compliant health plan can submit an online health insurance waiver form by the deadline to opt-out of the University sponsored SHIP. A waiver form is required for each Fall and Spring semester of attendance.








Students who take 9 or more credit hours, and have a Compliant Health Insurance Plan, meeting the Waiver Requirements, can Opt-Out of SHIP as long as they do so by the Fall and Spring Semester deadlines

Students who do not opt-out by the deadline will show having the health insurance premium on their tuition bill and will be automatically enrolled. There will be no refunds after the deadline.


University Student Health Insurance Waiver Requirements

To opt-out of the Student Health Insurance Plan your insurance plan must be effective as of September 1 for Fall semester or February 1 for Spring Semester, have continuous coverage and meet all requirements listed below.  

The following types of health insurance meet the University requirement:

  • Allow you to receive health care services in Colorado. 
  • Provide an unlimited aggregate maximum benefit per policy year per person. 
  • Does not have a pre-existing condition limitation. 
  • Out-of-pocket limit per policy year that does not exceed $7,900* per individual and $15,800* per family. 

          *Subject to change on an annual basis 


Plan Benefits must include at a minimum, the following requirements: 

  • Ambulatory Patient Services 
  • Chronic Disease Management 
  • Emergency Services 
  • Hospitalization 
  • Laboratory Services 
  • Maternity and Newborn Care 
  • Mental Health and Substance Use Disorder Treatments (including behavioral health treatment) 
  • Prescription Drugs 
  • Preventive and Wellness services 
  • Rehabilitative and Habilitative Services and Devices 


J1 Visa Student Insurance Requirements:

  • A Deductible of no more than $500 per accident or illness
  • Repatriation of remains coverage is a minimum of $25,000
  • Emergency Medical Evacuation expenses is a minimum of $50,000


The following types of health insurance do not qualify to opt-out of the University requirement:

  • Plans issued outside of the United States of America (U.S.A) 
  • Plans that only International Students can purchase
  • Travel Plans
  • Colorado Indigent Care Program (CICP) 
  • Minimum Essential Coverage (MEC) 
  • Catastrophic Plans 
  • Short Term Medical Plans (STM) 
  • Injury Only Plans
  • Hospital Only Plans 
  • Cancer Only Plans 
  • Flexible Spending Accounts (FSAs) 
  • Health Reimbursement Accounts (HRAs) without an attached health insurance plan