Health Insurance
All full time undergraduate and graduate domestic and international students must have health insurance. òòò½´«Ã½ are automatically enrolled in the school accident/sickness plan when they register. òòò½´«Ã½ may waive the school's insurance if they can provide proof of comparable coverage. See details below, and on the Health Insurance Waiver page.
Important Notice For òòò½´«Ã½ Considering Waiving Out Of The Pace Insurance Plan
Waiving out of the Pace Insurance Plan is a self-reporting process and is not independently verified by Pace or by our insurance provider (although we do independently verify that plans for international students include repatriation and evacuation coverage). For this reason, it is critical that all students choosing to waive the school accident/sickness plan consider not only whether they have insurance coverage, but also the degree to which that coverage is valid in New York State. Many out of state plans offer limited coverage or no coverage. Coverage may also be different for physical health vs. Mental health. Please take time to verify coverage before waiving the school plan.
The best way to verify the coverage (and limitations in coverage) of your insurance plan is to contact your insurance company. In most cases, there will be a contact number on the back of your insurance card. It may help to get specific, asking about whether the plan covers the following at the same level in NYS as it may in their home state or country:
- Urgent care
- Wellness visits
- Sick visits
- Prescriptions
- Mental health care
- Advanced imaging and diagnostic testing
- Physical therapy
Please visit the Health Insurance Waiver page for information about the waiver process.
Accessing the 2025òòò½´«Ã½“2026 Health Insurance Plan
We are currently in the process of changing to a new insurance broker for the coming academic year. Details for accessing the 2025òòò½´«Ã½“2026 academic year plan, including your insurance card, a brochure explaining coverage and much more will be available soon.
Annual Health Insurance Rates 2025òòò½´«Ã½“2026
Please note that listed rates are subject to change pending New York State review
- Annual Domestic: $3710.00
- Annual International $2189.00
- International òòò½´«Ã½“ ELI and Center for Global Business Programs (CGBP): Program dates and rates are available from the department
Spring Health Insurance Rates 2026*
Please note that listed rates are subject to change pending New York State review
- Spring only Domestic $2297.00
- Spring only International $1355.00
- International òòò½´«Ã½“ ELI and Center for Global Business Programs (CGBP): Program dates and rates are available from the department
Effective Dates
- Annual: August 15, 2025òòò½´«Ã½“August 14, 2026
- Fall: August 15, 2025òòò½´«Ã½“December 31, 2025
- Spring: January 1, 2026òòò½´«Ã½“August 14, 2026
2025òòò½´«Ã½“2026 Waiver Deadlinesòòò½´«Ã½“ Domestic And International
- Fall 2025: September 19, 2025
- Spring 2026: February 13, 2026
- Summer I 2026: June 7, 2026
- Summer II 2026: July 31, 2026
Frequently Asked Questions
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Details for accessing your student health insurance card and policy information will be updated here by early July
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The costs, which vary for domestic and international students, and also vary by the start of enrollment, are explained in detail above.
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The dates of coverage are listed above. òòò½´«Ã½ who arrive in New York for academically related reasons (including student athletes arriving for training camp and practice, or international students arriving to search for housing or attend orientation) may be eligible for an extension of their coverage (at a prorated additional charge). Athletes seeking an extension of coverage should speak with their coach or a member of the Athletic Department administration. International students seeking an extension of coverage should speak with their admissions advisor.
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For the safety of our students and our campus community, we require all full-time students enrolled in in-person classes to health insurance. We have worked to develop a plan that is, in many cases, more affordable and more robust than alternative plans held by students and their families. Additionally, we know that our students from out-of-state may experience issues with the breadth of the coverage provided by their plans when used in New York State. For these reasons, our students are automatically enrolled in the plan. They may opt out, utilizing the wavier process described below, if they can demonstrate comparable alternative coverage.
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Insurance plans and their cost structures are based on identifying the total number of people covered by the plan. For this reason, there must be a clear deadline after which the number of participants will not decline. This is a major factor in keeping costs down for all participants.
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Yes, students may secure financial aid (typically in the form of federal or private student/parent loans) to address their Pace health insurance plan expense. However, because not all students use the Pace plan, the expense is not initially included in the Financial Aid Cost of Attendance (COA) budget. òòò½´«Ã½ who wish to take advantage of the Pace Health Insurance plan, and desire to have financial aid (again in the form of federal or private loans) address the charge, need only email financialaid@pace.edu with their names and University ID numbers, and a statement that they will need Pace Health insurance and wish to have their COA budgets increased to account for this expense.