Health Insurance

Student Health Insurance at PLNU

PLNU is committed to creating an environment where students are safe and healthy. For the safety of the community and the well-being of our students, it is vital that individuals living on campus have access to quality health care in the event of illness or accident.

Considering this commitment to a healthy community, undergraduate students that are registered for classes on the main campus need to have valid comprehensive health insurance coverage for illness and injury. Each year, enrolled students need to provide proof of active health insurance, even if they are studying abroad and regardless of the number of units enrolled.

If you are a new or readmitted student, please use the portal to upload a copy of the front and back of your current insurance card. If you are a continuing student and your card or coverage changes, you can upload a new card to the portal during fall and spring semester.

To assist undergraduate international students and international student-athletes with health insurance coverage that meets the requirements of the Affordable Care Act, the University provides a competitive, affordable international student health insurance plan. International students are automatically enrolled into the program for each year of academic enrollment at PLNU.

We ask students to validate their health insurance on the portal prior to New Student Orientation and the start of fall classes. Access to quality health care can have a direct impact on your academic and personal success. Health insurance helps to secure your future as you work toward the completion of your college degree.

Any time individuals move to new communities, it is important to establish relationships with new medical, dental, and vision providers. We highly recommended that students and their families thoroughly review their health insurance coverage and discuss access to local health care providers while in the San Diego area. Planning ahead for possible future needs lowers student stress and eases family concerns should emergency or preventive care be needed.

AIG Student Health Insurance Plan Coverage Discontinued for 2017/18

Previously PLNU, in partnership with the commercial insurer AIG, was able to offer a health insurance option to students. However, as of July 31, 2017, AIG has chosen to discontinue offering student health insurance plans, both locally and nationally. In addition, Kaiser and other carriers have made similar decisions to discontinue offering student health insurance.

As a result, for 2017/18 the University will not have student health insurance plans available for purchase. However, PLNU staff from the Wellness Center and Student Financial Services can direct students and families to external companies that provide health insurance options and/or provide financial assistance for those needing help with the cost of insurance. Be it for the upcoming academic term or more broadly discussing your financial aid award and how it relates to the cost of insurance, a PLNU staff member will try to answer your questions and direct you to the appropriate resources.

Please contact Debbie Hickman, Student Success and Wellness Assistant, at (619) 849-2574 or should you need help with the process for selecting health insurance and identifying those companies which provide health insurance. Please contact Student Financial Services at (619) 849-2538 or for assistance with financial aid planning.

Frequently Asked Questions

Will my student aid continue to be available to cover both health insurance and tuition?

When calculating your costs to attend PLNU, be sure to include the cost of health insurance along with your other charges. While PLNU no longer has an insurance company partner who can offer health insurance, the same financial aid resources will be available to cover the costs of attending the university.

Your Student Account Advisor will be happy to assist you in reviewing any charges and the amount of financial aid for which you are eligible. Under the previous policy, PLNU would have automatically paid your premiums with those funds from your student account. The difference under the new policy is that you will request a refund and, in turn, pay your own insurance charges. Again, the same amount of financial aid resources will be available, this has not changed.

How do I buy health insurance?

With the changes occurring in health care across the country today, what was true a year ago, may not be true today.  As a result, it is important to have a discussion with a current insurance agent who is aware of the various healthcare policies available.

If you are struggling with the question of whether or not you can afford a policy, you may talk with Debbie Hickman, who can direct you to a range of organizations that provide healthcare assistance. Debbie can be reached at (619) 849-2574 or

What are the most cost effective plans for health insurance?

That will depend on your income and your health care needs. Before you settle on a plan, you should first get a quote, find a price, and discover any out-of-pocket expenses your plan will expect you to pay (such as deductibles, co-insurance, and copay charges). Once you have all of this information together, it will be easier to find coverage which fits your needs.

Health Care Sharing Ministries

The follow organizations provide an alternative to traditional health insurance. These plans are compliant with the Affordable Care Act.

Health Insurance Resources

The following organizations provide options for health insurance or explain the health insurance process. A qualified agent will be able to better explain the various options and their costs.