Coverage Dates and Premium
Note: Graduating students completing their studies during May 2026 will stay enrolled through July 31, 2026. Please contact studentaccounts@sandiego.edu for questions regarding your billing.
August 1, 2026 -July 31, 2027
Annual Coverage Dates
Domestic and International Students
$4158
Annual Premium
Fall 2026 Billing: $2079
Spring 2027 Billing: $2079
Important Disclaimers
The planned 2026-2027 premium for 12 months of coverage is pending.
The premium and benefits are being reviewed by the California Department of Insurance for approval. As part of this approval process, the State of California may require USD to make changes to the benefits and/or rates.
All Eligible Students: If a waiver form is not submitted by the September 11, 2026 deadline, then all eligible students will be automatically enrolled in the Annual Aetna SHIP and responsible for the premium charged to their Student Account.
The Student health Insurance Plan (SHIP) is compliant with USD and all federal/state mandates.
- The SHIP pays for a variety of medical services, including hospital room and board, inpatient and outpatient surgical procedures, labs and x-rays, chemotherapy and radiation, inpatient and outpatient mental health services, physician office visits, consultant visits, ambulance, emergency care and prescription drugs. It also covers intercollegiate sports injuries the same as any other Injury.
- It covers preventive care services at no cost when In-Network providers are used. This includes routine physicals and examinations, screenings, GYN examinations, and most immunizations.
- It pays for 80% of medical fees when In-Network providers are used. This is the advantage to using in-network providers. When Out-of-Network providers are accessed, the SHIP pays 65% of the medical fees, meaning potential out-of-pocket costs are more.
- There is a $300 per policy deductible for in-network medical services. This deductible is waived when first seeking care from USD Student Wellness services and receiving a referral.
- There is a $600 per policy deductible for out-of-network medical services.
- For prescription drugs from participating pharmacies, you will pay:
- a $15 copay for a 30-day supply of a generic drug
- a $40 copay for a 30-day supply of a preferred brand name drug
- a $65 copay for a 30-day supply of a non-preferred brand name drug
- Visit the Aetna Student Health website to review the full 2026-2027 Plan Design and Benefits Summary.
- Visit the Gallagher Student Health website, locate "Plan Details" to review the 2026-2027 FAQs, SHIP Benefit Flyer, and a Waiver Plan Comparison worksheet.
- Find Information about Frequently Asked Questions and where to Get Support