Information on the Oxy Student Health Insurance Plan (OSHIP) is below. If you would like to learn how to waive out of OSHIP, visit the Health Insurance Waiver Process page. For all other information on navigating health insurance issues and questions, please visit our Navigating Care guide.
If you don't see the answers to your questions, email us at emmons@oxy.edu.
Students must actively waive the health insurance each year if they do not wish to be on Oxy’s Student Health Insurance Plan (OSHIP). Waivers from previous years do not roll over.
Oxy Student Health Insurance Information: 2026-27
The Oxy Student Health Insurance Plan (OSHIP) carrier is Aetna Student Health. The student health insurance plan through Aetna Student Health covers primary, urgent, emergent, pharmaceutical and behavioral health care locally, nationally and internationally. There are no breaks in coverage, so students will be covered while on winter and summer breaks.
This Aetna Student Health insurance is a full service PPO plan that works at all Aetna Healthcare providers throughout the United States, and that covers primary, urgent, emergent, pharmaceutical and behavioral health care. Providers who do not accept Aetna will accept Aetna Student Health insurance at out-of-network rates. Student health insurance can be utilized anywhere in the US. Internationally, insurance can be used via reimbursement for services. Patients must call the insurance company before they go to the doctor to authorize the visit (if possible), or soon after to make them aware of the visit and the upcoming reimbursement request. Patients must retain all medical documents and receipts for services.
Oxy Student Health Insurance Plan (OSHIP) Summary
| Cost | $4,062 per year | $2,031 per semester |
| Coverage Dates | Fall: Aug. 1 - Dec. 31, 2026 | Spring: Jan. 1 - July 31, 2027 |
| Plan Details | PPO plan covers primary, preventive, pharmacy, mental health, inpatient, urgent, and emergency care | |
| Wellness Center | Insured may utilize Emmons Wellness Center on campus for a $10 copay, $0 deductible, and 100% coverage | |
| National Coverage | Insured may utilize outside providers for a $25 copay, $150 deductible, and 80% coverage | |
All enrolled students must have health insurance through an ACA accredited/approved health insurance plan while at Oxy. Students may opt to enroll in the Oxy Student Health Insurance Plan (OSHIP), or to waive OSHIP and maintain their own health insurance, as long as the coverage meets minimum essential coverage (MEC) requirements. While not required, it is strongly recommended that for on-campus study, students have health insurance that covers primary and specialty care services in Los Angeles County. Many MEC plans only provide emergency coverage, meaning that routine services your child might need—such as annual wellness visits, non-emergency office or specialist visits, non-acute mental health care, lab work/diagnostic testing, physical therapy, and other benefits—are not covered. Before waiving OSHIP, please confirm that your student will be within your plan’s service area.
A student may opt out of the Oxy student health insurance plan by filling out an online waiver and providing proof of active health insurance at . More details on waiving OSHIP can be found here.
How To Enroll in Oxy Student Health Insurance
Beginning June 2, 2026, visit and after inputting Oxy's name in the search bar, scroll down until you see "Need to Enroll your Dependents or Confirm Your Enrollment" on the left hand side of the screen and click the "Start Here" button, and follow the prompts.
For Assistance
If you will be accessing the JCB Insurance site for the first time, you will need to use your Oxy email address to create an account; personal email addresses will result in an error message. In addition, make sure that you are using the correct Oxy Student ID number that begins with an A and has eight numerical digits following the A.
If you need assistance with your waiver or enrollment, require technical assistance, please contact JCB Insurance/Gallagher Student Health & Special Risk directly via email at GGB.JCB.Studentservices@