International Student and Scholar Services

Health Insurance

Health insurance is required for all F-1 and J-1 students and scholars at St. Cloud State.

This requirement protects international students/scholars and provides a health plan against financial hardship resulting from the need for medical attention.

The United States does not have a national health care system available to non-immigrant students/scholars; therefore, the cost of medical care is the responsibility of the student/scholars.

Because medical costs in the United States are high, St. Cloud State requires new and transferring international students and J-1 scholars to purchase the Minnesota State system's Student Health Plan.

Government-sponsored students' exemption

Students must show evidence that an embassy or government entity is providing full health insurance coverage. Absent that, you may be required to purchase the Minnesota State system's Student Health Plan until you can provide proof of full health insurance.

This PowerPoint tutorial on international student health insurance may help.

New students

  • New international degree-seeking students must pay their health insurance before registering for classes. The health insurance charge for the 2017-2018 academic year is $1,465.

  • Exchange students who are not seeking a degree and those who will be here only for a short time, are also required to purchase university health insurance. Costs vary depending on your time of study and are outlined in your welcome packet.

  • An immunization record is required for many students attending St. Cloud State. Information and the form are available at Student Health Services.

Current students

  • Payment of health insurance charges must occur each year before Aug. 1. A hold preventing registration will be on the student's account until the entire amount is paid. Health insurance payments can be made to the cashier.

  • Insurance runs Aug. 10-Aug. 9 each year.

J-1 scholars

  • All J-1 scholars will be charged health insurance for the duration of their program at St. Cloud State. 


  • If you do not want St. Cloud State health insurance coverage for your spouse or child, complete the Health Insurance Release (PDF).

  • For the reasons mentioned above, we strongly encourage your spouse/child to maintain health insurance while in the U.S.  

Voluntary coverage

  • International students and their dependents are eligible to keep insurance coverage while on optional practical training and academic training, if registered for at least one credit each semester.


  • Health insurance must be renewed in full-year increments.

  • If insurance is prepaid, and a refund is requested 14 calendar days before the coverage start date, the insurance premium will be refunded through our Business Services office.

  • If the refund is requested within 14 days of the coverage start date, the student must file for an insurance refund (PDF). This requires approval and a signature from a Center for International Studies advisor.

  • Students may be eligible for a partial refund if they are approved for optional practical training, transfer, leave the United States or change immigration status.