Penn offers its students two health insurance choices: the Penn Student Insurance Plan (PSIP) or an external plan. Navigating health insurance can be tricky, which is why many students feel overwhelmed. Ashlee Halbritter, Executive Director of Public Health and Well-Being, explains that understanding the healthcare marketplace is vital. Programs like Health Insurance 101 at Wellness at Penn can help students grasp these complexities.
PSIP is managed by Aetna and opens doors to a nationwide network of providers, meaning students can find care well beyond Philadelphia. This is especially helpful for those studying abroad or living in different states. According to data analyst Raahul Narayanan, the plan is reviewed annually by the Student Health Insurance Advisory Committee, ensuring it meets student needs.
For the 2025-26 school year, PSIP will cost $4,662, billed in two installments. Students can opt out by filing an approved waiver but must meet five specific criteria. These include having a plan through a U.S.-licensed insurer and coverage for pre-existing conditions. The plan must also provide substantial benefits for medical and mental health services locally.
If a student’s waiver isn’t approved, options exist. They can consult with their insurer to adjust their plan or explore alternatives like Pennie, a health insurance marketplace in Pennsylvania. It’s important to carefully review coverage details, as many plans exclude specific treatments.
Additionally, there’s a mandatory clinical fee of $371 each semester. This fee gives students access to routine medical care without copays at the Student Health Clinic. It covers primary care, preventative services, and counseling sessions but does not include costs for lab work.
Halbritter emphasizes the importance of maintaining health care access, even after graduation, pointing out that recent graduates might face gaps in coverage. Supporting students in their healthcare journey is a priority at Penn.
In recent statistics, only about 60% of college students report having adequate health insurance, highlighting the need for accessible resources and education. Engaging students in discussions about their coverage options can empower them to make informed choices.
For more information on insurance options at the University of Pennsylvania, check Wellness at Penn.
