Insurance Requirement | University of Portland

Insurance Requirement

The University believes that a solid health plan is vital to the well-being of our students. As such, all full-time undergraduate students are required to carry medical insurance and are automatically enrolled in a PacificSource Health Plan. Students with comparable existing health insurance coverage may complete an online Health Insurance Waiver (see below for more information) every semester. The online waiver form will be available each semester starting mid-July for Fall semester and mid-December for Spring semester.

Part-time undergraduates and all graduate students are not required to participate in the University group insurance plan, and therefore are not automatically enrolled. Part-time undergraduate students and graduate students who would like to participate in the University group insurance plan can contact Student Accounts for more information.

Important Links for Student Health Insurance

Print Your Student Health Insurance CardStudent Insurance - Undergrad and Grad Benefits 2023-2024Student Insurance - International Student Benefits 2023-2024

Dates of Coverage and Premiums

For any questions regarding dates of coverage and premiums/billing, please contact Student Accounts.

Student Type Cost for Fall Semester 8/15/23 – 12/31/23 Cost for Spring Semester 1/1/24 – 8/14/24 Cost for Summer Session
5/13/24 – 8/14/24
Undergraduate Student $1,676.50 $1,676.50 $861.00
Graduate Student Cost $2,221.00 $2,221.00 $1,141.00


Health Insurance Waiver

Health Insurance Waiver Fall 2023 (closes Sept. 1)

Beginning in the 2022-2023 academic year, the health insurance waiver must be completed every Fall and Spring semester. Unless you complete the online waiver before the deadline each semester, you will be required to pay the $1,676.50 premium for the PacificSource Health Plan for that semester. Once the deadline has passed, no exceptions will be granted.

The health insurance waiver process is completed through our student health insurance provider, PacificSource. The waiver is not reviewed, approved, or denied by the Student Health Center. For questions related to your waiver status or to inquire about a denied waiver, please reach out to PacificSource's customer service at 855-274-9814 or via email at

Before completing the online waiver, check your current insurance coverage for waiver eligibility (see criteria below). Please have your current health insurance ID card available to complete the waiver form. 

The waiver form for Fall 2023 will be available in mid-July 2023.
The deadline to complete the waiver for Fall 2023 is Friday, September 1, 2023.
The waiver form for Spring 2024 will be available mid-December 2023.
The deadline to complete the waiver for Spring 2023 is Friday, January 19, 2024.

Waiver Requirements

  1. Your plan provides access to health care providers in the Portland, Oregon area for emergency and non-emergency conditions.
    Note: Plans that provide benefits only for emergency and/or urgent care do not satisfy this criteria. If your HMO offers guest privileges in the Portland area, you can potentially meet this criteria by obtaining guest privileges. You must contact your insurer to receive guest privileges prior to waiving coverage.
  2. Your plan covers inpatient and outpatient mental health care within the Portland, Oregon area.
    Note: Emergency only coverage does not satisfy this requirement
  3. Your plan is currently active and you agree to maintain health insurance coverage throughout the entire 2023-2024 academic year.
  4. Your health insurance plan is ACA-compliant (Short term medical plans are not ACA-compliant). The key ACA requirements are: your plan must not have any pre-existing condition clauses, must not include dollar maximum limits on essential benefits and must cover preventive services.

Once your online waiver application has been submitted, it will be checked by PacificSource for accuracy. You will receive an email within 5-7 business days notifying you that PacificSource needs more information if it looks like your coverage does not meet the waiver requirements. The premium charge will remain on your student account until more information is received showing that your insurance meets waiver requirements.

If your waiver is approved, please allow 5-7 business days for the waiver credit to be posted to your student account.