F-1 and J-1 International Student Health Insurance
Texas State University Policy UPPS 07.09.04 International Student Health Insurance, requires all enrolled international students with non-immigrant, F-1 and J-1 visa classifications, to purchase coverage under the designated international student health insurance policy as a condition of enrollment. Students must maintain continuous health insurance coverage from the time of enrollment to the time of completion of their degree program at Texas State.
The international student health insurance premium will be billed to an F-1 and J-1 international student's university account during the time of registration for classes and students will be enrolled in the health insurance plan unless a waiver is approved by showing equivalent insurance coverage that is government-sponsored or U.S. employer-sponsored.
How to use the Insurance
Not sure how to use the international insurance plan with TXST? Follow the steps below for guidance.
*Reminder: AHP is the provider that works with both you and your insurance company, acting as a go-between to help manage your coverage and services.
2024-2025 Premium Costs and Coverage Periods For F-1 & J-1 International Students and Their Dependents
(only for Graduating and Exchange Visiting Scholars) | |||||
| Coverage Periods | Fall | Spring/Summer | Spring | Summer | Monthly for QE |
| Student | $906 | $1,392 | $838 | $554 | $192 |
| Spouse | $906 | $1,392 | $838 | $554 | $192 |
| Child | $906 | $1,392 | $838 | $554 | $192 |
*Dental and Vision may be purchased separately. For Discount program information, visit AHP to learn about add-on coverage options.
Students whose insurance policy does not include Emergency Medical Evacuation and Repatriation MUST purchase the Academic Emergency Services (AES) through the AHP portal.
* Students would know that they need to purchase AES if they submitted a waiver and got denied. Waiver team will review this and reach out to the student with the enrollment link. The Texas State system has specific waiver requirements that are listed on the site, if a student loads their insurance and it does not meet the AES requirement then AHP notifies the student that their waiver is not approved (Opt-Out waiver link: Texas State University F & J Internationals | Opt-Out/Waiver) . They then will offer an option to purchase AES directly.
Additional Guidance
Learn More
Read over the "How to Use Insurance" steps provided at the top of this webpage.
Still have questions?
If you have questions regarding the student health insurance, reach out to international@txstate.edu.
Waiver Information
**Please Note: Exchange students are NOT eligible to request a waiver.
When is the Health Insurance Waiver Deadline?
- Enrollment Deadline:
- Last day students can request a waiver to avoid an insurance charge to their student account. F-1 and J-1 students who do not have an approved waiver from AHP will have the insurance premium billed to their university student account. The deadline is February 15, 2025.
- Spring/Summer Semester:
- 12/02/2024 - 02/15/2025
Students arriving late to campus and registering after this deadline can contact ISSS for assistance at international@txstate.edu
What needs to be included in the request to waive the student health insurance?
Request a waiver by submitting proof that you, as the student, has health insurance coverage that is:
- Student is covered by a U.S. employer health insurance plan or by a parent/spouse's U.S. employer health insurance plan that is compliant with the Affordable Care Act (ACA).
- Student's sponsored plan (US Government or Foreign Government) is recognized by the U.S., and the sponsor guarantees payment of all healthcare expenses including medical evacuation and repatriation and are in compliant with the Affordable Care Act (ACA).
What if I am eligible for a waiver?
If you are eligible to waive the student health insurance plan, you should request a waiver through the AHP Portal before the tuition payment deadline.
- You can find the tuition payment deadlines via the Texas State University Academic Calendar.
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Frequently Asked Questions/Answers
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What do I do if I purchased the health insurance plan from AHP and I have an insurance bill on my student account?
Email international@txstate.edu so ISSS can verify your insurance purchase with AHP. Once confirmed, your student account will be adjusted and the insurance premium will be removed from your student account.
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If I am enrolled in a class during summer but not physically in the US, do I need to enroll in health insurance?
Yes, students must maintain continuous health insurance coverage from the time of enrollment to the time of completion of their degree program at Texas State. As of Spring 2021, spring and summer health insurance premiums are combined.
Refunds for summer are not available.
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I am enrolled in a class but on CPT and not in San Marcos, do I still need health insurance?
Yes. However, if your CPT employer is offering you health insurance, you may be eligible for a health insurance waiver. See waiver instructions on this page.
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Can I enroll in only summer I or Summer II insurance?
No, students must maintain continuous health insurance coverage from the time of enrollment to the time of completion of their degree program at Texas State.
As of Spring 2021, spring and summer health insurance premiums were combined. Refunds for summer are not available.
Only students who begin a program of study in summer are eligible for the summer only insurance plan.
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I am applying for a change/adjustment of status and my petition is pending. Do I need to enroll in health insurance?
Yes, you are still considered an F-1 students unless you abandon the F-1 status or a decision is made on your petition by USCIS.
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If I dropped my courses for summer, do I still need to purchase health insurance?
Yes, students must maintain continuous health insurance coverage from the time of enrollment to the time of completion of their degree program at Texas State.
As of Spring 2021, spring and summer health insurance premiums were combined.
Refunds for summer are not available.
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If I dropped my courses and already purchased the health insurance, can I get a refund?
No, there are no refunds for health insurance.
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I am an exchange student, am I eligible to request a wavier?
No, exchange students are not eligible for a health insurance fee waiver.
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I still have questions about how to use my Academic HealthPlan.
We have recorded a webinar addressing many questions international students have about their Academic Health Plan. Watch it here
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If I am not an F-1 or J-1 student, what Student Health Insurance Plan do I receive?
For non-F-1 and J-1 students, you are no longer subject to University Policy regarding Health Insurance and are not eligible to purchase the International Student Health Insurance Plan. Texas State University offers a Student Health Insurance Plan for all domestic students who are currently enrolled, please click here to learn more.
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What if I am a Graduate Assistant for TXST?
Graduate students employed in a benefits-eligible position are eligible to participate in the medical insurance and other optional benefits offered to Texas State employees through the Employees Retirement System of Texas. Benefits include:
- 50% contribution toward your medical premiums
- 60-day waiting period for medical coverage to begin and no waiting period for optional coverage such as dental, vision or term life.
If you choose to enroll in the employee health insurance plan and NOT the international student insurance plan, please email international@txstate.edu so a waiver can be granted otherwise will be responsible for international student health insurance premium charge on their student account.
Students who choose the employee health insurance plan must submit proof of health insurance coverage or intended coverage to international@txstate.edu no later than 60 days from employment start date.
See more from the Office of Human Resources: www.hr.txstate.edu/benefits/Insurance-Programs-/Comparison.html
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What if I Need to Purchase Dependent Health Insurance Coverage?
The international student health insurance premium will be automatically billed to an F-1 and J-1 international student's university account during the time of registration for classes. Payment is due by the Tuition and Fee Payment Due Date.
Students seeking insurance coverage for their dependents (lawful spouse or children up to the age of 26) may enroll their dependents in the international student health insurance plan through the AHP Portal see instructions below.
View the AHP Guide for purchasing health insurance: Online Enrollment Student Experience Guide
- Go to https://txstateintl.myahpcare.com
- Select the ‘Enrollment’ tab.
- Select the ‘Enroll Online’ link.
- Read the Terms and Conditions and if you agree select the ‘I Accept’ button
- Enter the following:
- Student ID - Texas State Student ID#
- Birth Date - Your date of birth in mm/dd/yyyy format
- Select the ‘International Medical Coverage’
- Complete the remainder of the requested fields
- Establish your individual payment method. After completing the multipage form, select the ‘Place Order’ button.
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What are the Student Health Insurance Plan Benefits and Coverage?
- Review the International Student Health Insurance Flyer 2022-2023 for an overview of plan benefits.
- Review the International Student Brochure-Certificate of Coverage for an overview of coverage and expenses.
- Review additional benefits and coverage from AHP here: https://txstateintl.myahpcare.com/benefits.
- Review the Glossary of Health Coverage and Medical Terms.
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Resources and Forms for Review
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Academic HealthPlans (AHP) and COVID-19 Resources
Review the Academic HealthPlans website for COVID-19 Support and Updates: https://txstateintl.myahpcare.com
Here you will see information on
- Student Assistance Program
- Claim Questions
- Virtual Visits
- Emotional-Support Help Line
Further specific questions about coverage, please call Aetna at 1-888-407-0445.
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AHP Virtual Orientations for Previous Plan Years
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Health Coverage Form 1095-B
For more information, contact AHP: https://txstateintl.myahpcare.com/contact or call 1-855-850-4298.
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When will I receive instructions?
Students will receive an e-mail with instructions each semester. If you have not received an e-mail by the first day of open enrollment, e-mail ISSS at international@txstate.edu for further instructions.
*Please do not email your Health Insurance waiver documents to International Student and Scholar Services (ISSS).