To ensure that all students maintain adequate health insurance, all students are automatically enrolled and charged for the student health insurance plan unless proof for comparable coverage is submitted for review and approval to our insurance broker, Academic HealthPlans (AHP). For the 2024-25 academic year, coverage begins at 12:01 am on September 1, 2024, and ends at 11:59 pm on August 31, 2025.

Fees for the 2024-25 Academic Year

Each CalArts student must be covered with health insurance. CalArts offers a plan administered by Academic Health Plans, underwritten by UnitedHealthCare Student Resources. 

Fall semester (four months’ premium) $889
Spring semester (eight months’ premium) $1,769
Total $2,658

A detailed brochure about the CalArts health plan is available to view at If you are already covered by another health insurance provider and do not need the Institute's health insurance coverage, you must complete an insurance waiver. Once your waiver request and documentation has been submitted, the verification process takes 5-7 days. The insurance charge cannot be removed from your bill until we have been notified by our insurance broker, AHP, that the waiver has been verified and approved. If your insurance waiver is approved, it is valid for the full academic year for 2024-25.


As a new member in the UnitedHealthcare StudentResources (UHCSR) Insurance Plan, a summary of your benefits will be available at
  • UnitedHealthcare nation-wide network of hospitals, physicians, and behavioral health providers (PPO). You will have lower out of pocket costs if you visit a PPO provider.
  • HealthiestYou, a telemedicine benefit that is available 24/7 for medical and behavioral health issues. All CalArts students are eligible for telemedicine benefits.
    • If you choose the student health insurance plan, your copay under HealthiestYou benefit will be $0.
    • If you do not select the student health insurance plan, you can still access the program and will make a copay to the provider at the time of your visit.
  • You also have the option to purchase dental coverage with Delta Dental. See below for additional information about enrollment and benefits.


Dental coverage is available to all students (and their dependents/spouse) for purchase regardless of their health insurance provider. Insurance is provided by Delta Dental and students can opt-in and purchase these plans by visiting here.

Annual Rates for 2024-2025:

  Proposed Annual Rate
Student Only $195.12
Student plus spouse $390.36
Student plus child(ren) $390.36
Student plus family $585.48

Prescription Costs

Prescription drugs, you will pay a $10 Copay for generic drugs, $30 Copay for brand drugs, and a $50 Copay for the brand, non-formulary prescriptions at network pharmacies.

ID Card

  • Electronic ID cards will be available to download from United Healthcare’s website ( or the UHCSR Mobile App
    • You will receive an email from United Healthcare once your ID card is available to download along with instructions on how to register for an account
    • After you’ve created an account, you can view your electronic ID card or request a permanent ID card be mailed to you.

Health Plan Requirements

For Domestic Students:

Domestic Students must be enrolled in a health plan that is compliant with the Affordable Care Act (ACA):

NOTE: The following plan(s) will NOT be acceptable for waiver approval:

  • Short-term coverage plans
  • Financial Assistance plans
  • Travel plans or plans that require you to pay for treatment yourself and then apply for reimbursement

For International Students:

All international students entering CalArts are automatically enrolled to have coverage through the CalArts Student Health Insurance Plan (SHIP), which is provided by UnitedHealthCare Student Resources.

International students can enroll in alternative health insurance if they can provide clear evidence that their alternative health insurance plan is either sponsored by either their government or embassy AND meets the waiver requirements to opt out of CalArts Student Health Insurance (please contact to learn more about this requirement), or meets the following requirements:

  • Student are sponsored by the United States government (if the sponsoring agency's insurance meets CalArts Health Insurance waiver requirements); or
  • Students are sponsored by a foreign government recognized by the United States or certain international, government-sponsored or non-governmental organizations, and covered under a health plan that is compliant with the Affordable Care Act (ACA). If the health plan does not include insurance coverage for medical evacuation and repatriation, a rider must be purchased providing coverage at equal limits to the SHIP; or
  • Students are enrolled in an employer-provided group health plan that is compliant with the ACA. If the health plan does not include medical evacuation and repatriation, a rider must be purchased providing coverage at equal limits to the SHIP; or
  • Student are enrolled in only distance learning programs for the academic year; or
  • Alternate Coverage must be effective 9/1/23-8/31/24

Note: If purchasing a qualified health plan that meets these requirements (which is consistent for J-1 visas), you must provide written documentation in English (with coverage values in US dollars) from the insurance company certifying that it covers all of the mandatory requirements. This evidence should be provided during the health insurance waiver process that takes place via the online tuition bill payment during the registration process.

Exceptions are rarely provided and may not be given for any of the following reasons, including but not limited to: financial hardship, indicating that you have a better plan or that somebody else was waived from this requirement. International students who wish to be waived from this requirement for the academic year must provide the necessary documentation by August 26 in order to use the insurance on September 1. Final deadline to waive is September 18.

The Institute insurance includes coverage for the following benefits: Office visits, hospital inpatient and outpatient services, alternative services (e.g., chiropractic, acupuncture), outpatient prescription drugs (available at any pharmacy). Please note that the plan is compliant with the Patient Protection and Affordable Care Act.


If you have questions or concerns about the plan offered or coverage requirements, please contact our program advocate at