For information specific to International Students, as well as a link to the health insurance requirements, click here for more details.
How do I meet these requirements?
- The Affordable Care Act (ACA) 10 covered benefits that are required:
- Ambulatory patient services (outpatient care you get without being admitted to a hospital).
- Emergency Services
- Hospitalization (like surgery and overnight stays).
- Pregnancy and newborn care (both before and after birth)
- Mental health and substances use disorder service, including behavioral health treatment, counseling, and psychotherapy
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory Services
- Preventative and wellness services and chronic disease management
- Pediatric services, including oral and vision care
- State University System of Florida Board of Governor's specifically BOG 6.009 Requirements:
- Your plan must have a provider network in the Tallahassee (Leon County) area for routine, specialty and emergency care.
- Your policy must provide Basic Benefits: Room, board, hospital services, physician fees, surgeon fees, ambulance, outpatient services, and outpatient customary fees paid at 80% or more of usual, customary, reasonable charge per accident or illness, after deductible is met, for in-network, and 60% or more of usual, customary, and reasonable charge for out-of-network providers per accident or illness;
- Your policy must provide Inpatient Mental Health Care that pays at 80% in-network or 60% out-of-network of the usual and customary fees with a minimum 30-day cap per benefit period;
- Your policy must provide Outpatient Mental Health Care that pays at 80% in-network or 60% out-of-network of the usual and customary fees for a minimum of 30 (preferably 40) sessions per year;
- Your policy must provide Maternity Benefits that is treated as any other temporary medical condition and paid at no less than 80% of usual and customary fees in-network or 60% out-of-network;
- Your policy must provide Repatriation: $25,000 (coverage to return the student's remains to his/her native country);
- Your policy must provide Medical Evacuation: $50,000 (to permit the patient to be transported to his/her home country and to be accompanied by a provider or escort, if directed by the physician in charge);
- Your policy must provide the following: Deductible: Maximum of $50 per occurrence if treatment or services are rendered at the Student Health Center; maximum of $100 per occurrence if treatment or services are rendered at an off-campus ambulatory care or hospital emergency department facility;
- Your policy must provide full coverage for covered injuries/illnesses per accident or illness per policy year;
- Your insurance carrier must have an A rating or above.
- Your policy must not unreasonably exclude coverage for perils inherent to the student's program of study
- The policy must pay claims in U.S. dollars payable on a U.S. financial institution;
- The policy provisions must be available from the insurer in English.
How much are the Premium rates?
| 2023/2024 & 2024/2025 (24/25 are pending state approval) | Domestic Student | International Student |
|---|---|---|
| Annual: August 15 - August 14 | $3,322 (23/24) $3,086 (24/25) | $3,375 (23/24) $3,135 (24/25) |
| Fall: August 15 - December 31 | $1,262 (23/24) $1,175 (24/25) | $1,282 (23/24) $1,194 (24/25) |
| Spring/Summer: January 1 - August 14 | $2,060 (23/24) $1,911 (24/25) | $2,093 (23/24) $1,941 (24/25) |
| *Summer: May 10 - August 14 | $880 (2024) $830 (2024) | $894 (2024) $833 (2025) |
* Please note that "Summer" coverage is only available to summer admits.
I have health insurance
FSU requires all full time, domestic main campus students and international students to have health insurance as a university health requirement. If you need to waive, click below.
I do not have health insurance
FSU requires all full time, domestic main campus students and international students to have health insurance as a university health requirement. If you'd like to see your options, click below.
