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Southern Oregon University

How has the Affordable Care Act affected Student Insurance Plans?


Provisions of the act apply to health plans for both domestic and international students. 

Student health plans have been granted a modified phase-in period for annual plan maximums ($100K for 2012-13, $500K for 2013-14); no annual limits will be allowed for 2014-15 and thereafter.

Student health plans will now offer comprehensive Preventive Care Benefits (including annual GYN exam, STI Testing, physicals and immunizations),which are covered at 100% without cost‐sharing at in‐network providers (this includes your on‐campus Student Health & Wellness Center.

Limitations on pre-existing conditions may not be imposed on those younger than age 19 (extended to all enrollees in 2014).

No annual or lifetime limits may be applied to any essential benefits, like hospitalization, mental health/substance abuse, diagnostic tests, and prescription drugs.

2015-2016 Domestic Student Health Insurance


Southern Oregon University will not be offering a Domestic Student Health Insurance plan this year.


2014-2015 Domestic Voluntary Student Health Insurance


General information about the 2014-2015 Domestic Voluntary Student Health Insurance can be found here.  For extensive details about the voluntary plan please read the Frequently Asked Questions (FAQ) document prepared by Gallagher Koster.  To enroll in the program please click here.  

Information about Health Insurance for International Students can be found here.   

If you sign up for the Voluntary Student Health Insurance we strongly recommend you apply for the subsidy fund.  More information at the Health Insurance Subsidy Fund link.


Oregon Health Plan

The Student Health and Wellness Center is not a preferred provider on the Oregon Health Plan.