Auto-Enrolled Medical Student Health
The MSU student health insurance plan (SHIP) offers health coverage for students and their eligible dependents through Aetna. If you are a medical student (College of Osteopathic Medicine, College of Human Medicine, or College of Veterinary Medicine), you are enrolled automatically in the SHIP plan. Through the health plan, you have access to quality health care through hospitals, physicians and affiliated health care professionals in the Aetna provider network. Locate a provider through the Aetna website.
Note: Students automatically enrolled in SHIP should not create their own AHP account—MSU sends their enrollment to AHP directly. Once added, students will receive an email from AHP/Care26 with a link to log in or create credentials to access the account.
Please review the general eligibility and enrollment information. Navigate further down the page to review information related to your specific medical college.
Eligibility and Enrollment/Waiver Information
Student Health Insurance enrollment and waiver deadlines.
Enrollment Period |
Effective Date | Termination Date | Open Enrollment and Waiver Dates |
Fall 2025/2026 | August 16, 2025 | February 15, 2026 | July 14, 2025 - September 30, 2025 |
Spring I 2025/2026 | January 1, 2026 | August 15, 2026 | December 1, 2025 - March 15, 2026 |
Spring II 2025/2026 | February 16, 2026 | August 15, 2026 | December 1, 2025 - March 15, 2026 |
Spring III 2025/2026 | May 11, 2026 | August 15, 2026 | April 13, 2026 - July 10, 2026 |
1st Year Early Arrival COM | June 1, 2026 | August 15, 2026 | April 13, 2026 - July 10, 2026 |
*Most international students will not have the option to waive coverage.
Medical students are automatically enrolled in the student health insurance plan. Medical students may enroll eligible dependents in the corresponding enrollment period the primary policy holder (student) is enrolled in.
Eligible dependents of students enrolled in the SHIP plan:
- Spouse/Other Eligible Individual
- Children (must be under the age of 26)
- Stepchildren (must be under the age of 26)
Medical students are automatically enrolled in the SHIP plan and charged on their MSU student account.
Automatically enrolled students should not create their own account in Academic HealthPlans (AHP). Automatically enrolled students are sent to AHP by MSU. When a student's enrollment is added to AHP, they will receive an email from AHP/Care26 system to indicate enrollment. By clicking "take me there," a student may create their account credentials or login to an existing account to purchase coverage for dependents.
COM, CHM and VetMed students can currently waive out of the SHIP plan through the waiver process. If you have been admitted as an international student, please review the international student waiver criteria.
Automatically enrolled students should not create their own account in Academic HealthPlans (AHP). Automatically enrolled students are sent to AHP by MSU. When a student's enrollment is added to AHP, they will receive an email from AHP/Care26 system to indicate enrollment. By clicking "take me there," a student may create their account credentials or login to an existing account to initiate the waiver application process.
Important Note: Students must submit a waiver request to AHP each semester. A previously approved waiver does not guarantee a future waiver approval.
For more information on AHP Administration and Aetna Plan Details, visit the Health Plan Design and Administration page.
If you need to enroll or make changes to your coverage due to a Qualifying Life Event (QLE), you must complete a qualifying event enrollment through Academic HealthPlans (AHP) within 31 days of the event date. For additional information, please visit the Health Plan Rates and Qualifying Life Events page.
College of Osteopathic Medicine
Michigan State University College of Osteopathic Medicine is accredited by the Commission on Osteopathic College Accreditation, or COCA, to offer an academic program leading to the Doctor of Osteopathic Medicine (D.O.) degree.
In December 2021, the COCA granted MSUCOM continued accreditation through 2028. This status affirms the college’s performance against a rigorous set of standards for excellence in osteopathic medical education. More information on COCA accreditation of colleges of osteopathic medicine here.
College of Human Medicine
Since first receiving full accreditation for a four-year medical degree program in 1967, the College of Human Medicine engages in a comprehensive and extensive self-study process each accreditation cycle.
College of Veterinary Medicine
For additional information related to the College of Veterinary Medicine, contact cvm.studentsupport@cvm.msu.edu.