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Student Health Services

Required Health Insurance

All undergraduate students taking six or more credit hours, graduate students taking six or more hours, graduate assistants and international students must have health insurance.

Beginning fall 2018, USC-Columbia students will be required to have health insurance.

This requirement applies to: undergraduates taking six hours or more and paying the student health fee, graduate students taking six hours or more, graduate students with assistantships and all international students.


Why the University Requires Insurance

Research shows students who are uninsured and become seriously ill or injured have a much harder time completing their academic careers. 

Every student’s health and wellness are critical components to academic success. Students with insurance stay healthier by using recommended preventive care services that help avoid health issues and often detect medical issues that need attention. The primary purpose of student health insurance is to keep students healthy and in school so they can graduate and realize their life and career goals. 

Over the past two decades, student health issues have grown more complex. Students may come to college with a range of health care needs from minor to extensive. Student health insurance plays a critical role in optimizing student health. Those who are uninsured have a higher chance of dealing with more severe illnesses due to the lack of affordable health care. Since unexpected sickness is one of the leading factors for family debt, student health insurance should be seen as an essential investment. 


How to purchase or waive the Student Health Insurance Plan

  • Visit and select the appropriate student link. 
  • Log in using your USC ID (the one letter and number combination found on the back of your CarolinaCard or at under "View my IDs and manage my passwords.")
  • The password is the student's date of birth in MMDDYYYY format (ex. 01011990), unless you have previously logged in to the system and manually changed it. 


Purchasing the Student Health Insurance Plan

You must be enrolled in 6 or more credit hours and in a degree seeking program in order to purchase the student health insurance plan through the voluntary option unless otherwise required to show proof of health insurance. For more information, please contact our health insurance office.  

2018-2019 Student Health Insurance Site »  


Fall 2018 Coverage Period

USC Students: August 1, 2018 - December 31, 2018

Annual Premium: $2,047 ($170.58 per month)
Billed in two installments: $869 for August 2018 to December 2018 and $1,178 for January 2019 to July 2019.


If You Already Have Insurance...

You can use your third-party insurance or your insurance coverage under your parents' plan.

Student Health Services Are Out-of-Network
The services at our Center for Health and Well-Being are out of network for third-party insurance. We do not file claims for Medicaid or Medicare.

Waiving Out

If you already have insurance or are covered under your parents' plan, you can waive out of the Student Health Insurance Plan. 

Submit Your Waiver (waivers are only accepted online.)

The spring 2019 waiver deadline is Feb. 5.
No waivers will be accepted after the deadline. The 2018-2019 Student Health Insurance site is available: