Thomas Jefferson University

Minimum Health Insurance Requirements

2021-22 Minimum Requirements

Unless a student is exempted, a student’s insurance plan must qualify as one of the following or they will be required to enroll in the University-sponsored plan:

  • An employer-based plan through a parent, spouse or own employment
  • An individual plan purchased through a government exchange or directly through a carrier at the Gold Gold equivalent or Platinum equivalent level of coverage. Gold equivalent level plans will provide minimum coverage of 80% of costs, while Platinum equivalent plans will provide minimum coverage of 90% of costs.
  • All government sponsored insurance (e.g. Medicare, Tricare, Medicaid)

If the plan originates outside of the Philadelphia area, the student must have the ability to access providers in the area of their current residence, without disruption to their academic responsibilities as a University student. A student's current insurance provider must be based in the United States, have a United States claims office, be approved to do business in Pennsylvania, and be compliant with all of the guidelines of the Patient Protection & Affordable Care Act (PPACA).

The University reserves the right to audit all waivers in order to ensure compliance with the minimum requirements. Please be sure to retain a copy of your insurance policy as you may be asked to provide this documentation. It is the students’ responsibility to ensure that they are covered either through private insurance or through the University sponsored health insurance plan. Any changes in the student’s insurance coverage must be reported to the appropriate health insurance representative, found at

If action to either enroll or provide documentation of adequate insurance coverage (waive) is not taken, the University will charge the appropriate health insurance fee to the student’s account.*  Information on how to waive or enroll can be found at