Summer Waiver Deadline 7/15/21

Please disregard this message if you already completed a waiver.

Each year, all students are enrolled in the UC Student Health Insurance Plan (UC SHIP) automatically. UC SHIP works 24/7 and worldwide, even if you are back home! UC SHIP's comprehensive plan covers medical, behavioral health, pharmacy, vision and dental care.

If you want UC SHIP, you don’t need to do anything further. You’ll be automatically enrolled and billed for your premium.

If you want to use a different insurance plan, you must complete an online insurance waiver by July 15, 2021.

UC SHIP's waiver process has changed to help students manage the challenges of the COVID-19 pandemic. Here's what's new:

1) If needed, you may log back into the AHP system to update your information for reconsideration.
2) Previously, students who wished to waive UC SHIP were required to have a provider within 30 miles of UCSC. This requirement has been removed.
3) Previously, international students who wished to waive UC SHIP were required to have insurance that paid at least $50,000 for medical evacuation and $25,000 for repatriation of remains. This requirement has been removed.

If you want to waive UC SHIP, here’s what to do.

Gather your information. You’ll need to upload a scan of the front and back of your insurance card and your Summary of Benefits.

Go to and follow the instructions there.

Waiver FAQ

Q. Why do I have to choose a health insurance option?
A. The Regents of the University of California require all students to have health insurance. Read the mandate here:

Q. What are some of the benefits of UC SHIP?
A. UC SHIP has you covered anywhere in the world 24/7/365. With UC SHIP, you can:
1) Visit Student Health Centers near your permanent residence
2) Use UC Student Health Centers for specialty care with lower out of pocket costs (with referral from SHS)
3) Have telehealth visits with UCSC Student Health providers OR through LiveHealth Online
4) Work with licensed mental health case managers who help you connect with medical and mental health providers and resources anywhere in the world
5) Schedule a one-on-one wellness coaching session with health educators at SHOP

Q. When should I waive?
A. To avoid late fees make sure to waive as soon as possible before charges are due on your student account.

Q. What happens after I submit the waiver?
A. Our waiver administrator, Academic HealthPlans (AHP), will audit your waiver to make sure your insurance plan meets Federal and UC requirements. They will contact you if there’s a problem.

Q. I’ve already completed a waiver for this academic year. Do I need to complete another waiver?
A. No, not until the next academic year.

Q: Why is my waiver in a Pending or Pending Carrier status?
A: Our waiver partner, Academic HealthPlans (AHP), needs more information from you. You have ten business days to edit your answers and resubmit your waiver. If you don’t edit and resubmit your waiver by then, you will be enrolled in UC SHIP for the quarter. You’ll have another opportunity to waive for the next quarter.

Here’s what the statuses mean:

Pending: To complete your waiver audit, AHP needs additional information from you.

Pending Carrier:
This means
1) You gave an incorrect answer, and/or

2) Your insurance plan doesn’t meet the waiver criteria.

Q: I did not receive a 'Tentative Approval' or 'Waiver Denied' email after hitting the submit button.
A: You might not have clicked the submit button after the CruzCare enrollment page. Go back to the waiver site to check. You have until the end of the waiver period to check and see that your waiver was submitted. If you don’t click the submit button and resubmit your waiver by the waiver deadline then you will stay on UC SHIP for the quarter. You’ll have another opportunity to waive during the next quarter.

Q. What if I have more waiver questions?
A. You can contact the UC SHIP waiver administrator, AHP (Academic HealthPlans) for help at 855-427-3175 or