Frequently Asked Questions


If you do not want the Student Health Insurance Plan, you must decline or opt-out of coverage by submitting a waiver. You may only opt-out of coverage during the following Waiver Periods:

2024-2025 Plan Year

Fall - 06/13/2024 - 10/04/2024

Spring/Summer - 11/01/2024 - 01/31/2025

Summer (New Students; Excluding School of Medicine & School of Pharmacy) - 04/04/2025 - 06/17/2025

Texas Tech University Health Sciences Center students in most academic programs are required to have Health Insurance that is Affordable Cares Act (ACA) compliant. There is a small group of programs that do not require insurance so make sure to check first if your program is on the list attached.

 The University has established circumstances in which a student can request a waiver to the student health insurance plan by providing alternative health insurance coverage. In order to be approved for a waiver, your alternate health coverage must meet or exceed the requirements as set forth below and be submitted by your program’s waiver deadline (See Above).

Criteria to submit a waiver request:

  1. Student is covered by a U.S. employer health insurance plan, Marketplace plans (bronze, silver, gold, platinum plans) or Medicaid/Medicare plan that is compliant with the Affordable Care Act (ACA).

Please note: travel plans, short term plans, healthcare sharing plans or plans that require you to pay for treatment yourself and then apply for reimbursement will NOT be acceptable for waiving the Texas Tech University HSC Student Health Plan.

If you meet one of the above criteria, then your alternative health insurance coverage must meet the following minimum requirements:

  1. Medical coverage must be currently active.
  2. Medical coverage must be ACA Compliant

The following requirements only apply to international students

  1. Medical evacuation coverage in the amount of $10,000 USD.
  2. Repatriation coverage in the amount of $7,500 USD.

If your alternate coverage meets the above minimum requirements; acquire the following scanned documents to submit a waiver request:

  1. The front and back of your insurance card