RUTGERS University International Student Health Insurance Waiver 2026-2027
- lori683
- 9 hours ago
- 4 min read
If you are an F-1 or J-1 student heading to the RUTGERS this fall, you have already been auto-enrolled in the RUTGERS UNIVERSITY Student Health Insurance Plan (SHIP) at a cost of $3,286 dollars for the year. That is a lot of money. The good news is you do not have to pay it. You can waive the school plan and choose a VISIT® Insurance alternative that meets all of RUTGERS UNIVERSITY's requirements and save as much as $1.665 dollars. Your waiver deadline is SEPTEMBER 26, 2026. Here is what you need to know.
How Much Can You Save at RUTGERS UNIVERSITY?
The RUTGERS UNIVERSITY SHIP plan charges every undergraduate student the same rate: $3,286 per year, regardless of your age or health needs. That is how school plans work — one price for everybody.
We do things differently. VISIT® plans use age-based pricing, which means younger students pay less. If you are between 17 and 24, your annual cost with VISIT® starts at $1,620.60 — a savings of as much as $1,665 compared to the RUTGERS UNIVERSITY plan.
A lot of students just figure, well, the university plan is there, so we will just take it. But that is not necessarily cost effective. If you take five minutes to look at your options, you could put over a thousand dollars back in your pocket — with the same level of coverage.
RUTGERS UNIVERSITY Waiver Requirements
Before you choose a plan, you need to know what RUTGERS UNIVERSITY requires for your waiver to be approved. The school will check that your alternative plan meets these specific standards:
How to Submit Your Waiver — Step by Step
Step 1: Visit www.visitinsurance.com/rutgers and choose your plan. Enrollment takes about 3 minutes.
Step 2: As soon as you enroll, you will receive your digital insurance ID card and your Certification Form instantly.
Step 3: Log into the school's waiver portal https://finance.rutgers.edu/student-abc/insurance-students/student-health-insurance-plan-ship and upload your documents.
Step 4: Wait for the school to review and approve your waiver.
That is it. Four steps, and the hardest part — finding a plan that actually meets RUTGERS UNIVERSITY's requirements — is already done for you.
If you have questions about your waiver at any point, email us at info@visitinsurance.com. We help students with this every single day. We have been doing this for almost 50 years.
Plan Comparison: RUTGERS SHIP vs. VISIT® Plans
Here is how the Rutgers school plan compares to three of our most popular options for Rutgers students. All three meet Rutgers waiver requirements.
*Savings based on plan chosen and age.
|
| SAVE up to $825 | SAVE up to $1,377 | SAVE up to $1.665 |
COVERAGE | SHIP PLAN | |||
Price | FALL 2026 | FALL 2026 | FALL 2026
| FALL 2026 |
Age 17-24 | $3,286 | $2460.10 | $1,908.95 | $1,620.60 |
Age 25-27 | $3,286 | $2,832.40 | $2,544.05 | $2,197.30 |
Age 28-29 | $3,286 | $5,135.55 | $3,934.70 | $3,347.05 |
Medical Maximum | Unlimited | Unlimited | Unlimited | Unlimited |
Deductible | $200 | $0 | $250 | $450 |
Coinsurance | 90% | 100% | 80% | 80% |
Student Health Copay | $0 / 100% covered | $0 | $0 | $0 |
Urgent Care Copay |
| $50 per visit | $65 copayment then you pay 20% Coinsurance | Deductible then $50 copayment |
ER Deductible |
| $200 copay | Deductible then $200 copayment per visit (waived if admitted) | Deductible then $200 copayment per visit (waived if admitted) |
Prescription copay | $15/$50/$75 | $5/$40/$60 | $5/$50/$75 | $15/$40/$75 |
Maximum Out-of-Pocket | $3,500 individual / $5,000 family | $5,000 | $5,500 | $5,000 |
Pre-existing conditions | Now waiting | No waiting period | No waiting period | No waiting period |
Mental Health |
| 100% | Deductible then you pay 20% Coinsurance | Deductible then you pay 20% Coinsurance |
Preventive Care | 100% In-Network | 100% In-Network | 100% In-Network | 100% In-Network |
Maternity |
| Deductible + 100% Coinsurance
| Deductible + 80% Coinsurance
| Deductible + 80% Coinsurance
|
Repatriation | Not listed | $50,000 | $50,000 | $50,000 |
Medical Evacuation | Not listed | $120,000 | $120,000 | $120,000 |
PPO Network | UHC Choice Plus | UHC | UHC | UHC |
Review Coverage |
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ENROLL |
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Enroll in a VISIT® plan for RUTGERS UNIVERSITY now → — lock in your rate before SEPTEMBER 26, 2026.
Why Students Choose VISIT® Insurance
We are not the school plan — and here is why that matters:
• Almost 50 years of experience (since 1979)
• Super broker with multiple plans from multiple carriers
• Age-based pricing (younger students pay less)
• Money-back guarantee (full refund if waiver is denied within 14 days)
• Fast enrollment with instant documents
We are not just trying to sell you whatever the most expensive plan is or whatever the cheapest plan is. We are trying to take the time to match the need and the budget at the same time. That is what makes us different.
Do Not Miss the SEPTEMBER 26 Deadline
The waiver portal is open now. You can enroll in a VISIT® plan and submit your waiver documents today. It takes less than 10 minutes total — 3 minutes to enroll, and a few minutes to upload your documents to the school portal.
Do not wait until September 26 Do it now while you are thinking about it.
Enroll now at www.visitinsurance.com/rutgers → Get your waiver documents instantly.
Questions? We Are Here
Email: info@visitinsurance.com Phone: 703-660-9062
We want you to feel relieved that you have the right insurance — not wondering if maybe you got the wrong thing. That is why we take the time to match every student with the right plan. Not just the cheapest one. The right one.
Money-Back Guarantee
If the school denies your waiver, you may request a full refund within 14 days of the denial date, provided the plan has not been used. Email your denial notice to info@visitinsurance.com and we will process your refund. No risk, no hassle.
VISIT® Insurance has been helping international students find the right health insurance since 1979. We are a licensed insurance broker based in Mount Vernon, Virginia, and we serve students at over 700 universities across the United States.
Disclaimer: Benefits and premiums are subject to change. Please review policy documents for complete coverage details and the school's current waiver requirements.
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