How to Choose Health Insurance as a UPenn International Student

For international students at the University of Pennsylvania, having health insurance isn’t optional – it’s a university-mandated requirement. Students must either enroll in UPenn’s school-sponsored health plan or waive it by showing proof of alternative coverage that meets the university’s strict standards.

If you’re new to the U.S., the healthcare system can be confusing but choosing the right insurance is crucial to avoid unexpected medical bills. In this article, we’ll explain how UPenn’s waiver process works, what to look for in a plan, and how to stay protected while saving money.

What Is an Insurance Waiver for UPenn International Students?

All full-time international students at UPenn are automatically enrolled in the university’s Penn Student Insurance Plan (PSIP) each academic year.

However, UPenn allows you to waive this plan if you have alternate health insurance that meets the university’s coverage requirements. If your waiver is approved, the insurance charge around $4,450 annually and it will be removed from your student account. If you miss the waiver deadline or submit a plan that doesn't qualify, you'll be required to remain enrolled in PSIP.

What Are UPenn’s Waiver Requirements?

To qualify for a waiver, your plan must meet UPenn’s minimum benefit standards. According to school website, your plan must meet the following:

• Plan must be provided by a company licensed to do business in the U.S.
• Company must have U.S.-based claims processing and phone number
• Coverage for pre-existing conditions
• Annual maximum benefit of at least $2,000,000
• In-patient and out-patient mental health care in the Philadelphia area
• In-patient and out-patient medical care in the Philadelphia area (not just emergency only)

Want a plan that meets these requirements and is recommended on the UPenn website? ISO offers plans designed to meet UPenn’s requirements and are used by thousands of UPenn students each year.

How to Waive the UPenn Insurance Plan

Here’s how international students can waive UPenn’s PSIP plan:

Step 1: Purchase an Alternative Plan

Select and enroll in an insurance plan that meets UPenn’s waiver criteria. Make sure you receive the certificate of coverage and other supporting documents.

Step 2: Access the Waiver Portal

Access the relevant waiver link from your UPenn’s insurance page. Log in to access the waiver portal.

Step 3: Submit Your Waiver and Documents

Upload your plan’s details and supporting documents before the deadline. You may need your plan summary and proof of coverage.

Step 4: Wait for a decision

UPenn will review your submission. If approved, the insurance fee will be removed.

What is UPenn’s Fall 2025 Waiver Deadline?

The waiver deadline for Fall 2025 is August 31, 2025. Your alternative plan must start no later than August 1, 2025, and remain active through the full academic year (unless you are graduating early).

Miss the deadline? You’ll be automatically enrolled in PSIP and responsible for the full cost, even if you later purchase private insurance.

Should You Enroll with UPenn’s Plan or Choose Private Insurance?

Here's a side-by-side comparison to help you decide:

Many students choose ISO Student Health Insurance for its affordability and tailored coverage.

Why Do UPenn Students Enroll with ISO?

Guaranteed Waiver Approval

ISO offers plans built to meet UPenn’s insurance standards, and plans are recommended on the school website. If your waiver is denied by insufficient benefits, ISO offers a guaranteed refund.

Fast, Simple Enrollment

Sign up online in under 5 minutes with no documents needed. You’ll instantly receive your insurance ID and waiver form after purchase – making it super simple to submit your waiver.

Affordable Pricing

Compared to UPenn’s ~$4,450 plan, ISO plans start at ISO plans start at $79/month, saving students over $3,400 per year.

Comprehensive Student-Focused Coverage

ISO plans include doctor visits, ER and urgent care, prescriptions, mental health, labs, and evacuation/repatriation - all with low deductibles and high coinsurance percentages.

Nationwide Network Access

ISO uses the Aetna PPO network, giving access to top hospitals and providers in Philadelphia, including Penn Medicine, Jefferson Health, and CityLife Health. ISO plans also provide in network benefits at the UPenn Student Health Center.

Multilingual, International Support Team

ISO’s team includes former international students who understand your needs. Get help via phone, WhatsApp, WeChat, or email.

Ready to Enroll?

It takes just a few minutes to sign up with ISO and get the documents needed to complete your waiver.

👉 Learn more and enroll today: https://www.isoa.org/schools/university-of-pennsylvania