Every year, the University System of Georgia and East Georgia State College work hard to obtain the most competitive rates and most valuable benefits for students enrolling in the USG Student Health Insurance Plan (SHIP). We work with an Advisory Committee to help recommend the best approach for plan benefits and premiums each year.

For the 2024-2025 Academic Year, there are no changes to plan benefits, and there will be a premium increase of 2.8% across all categories of students and enrollees – or a $6.67 per month increase for the mandatory student-only category and a $9.33 per month increase for the voluntary category. This increase is down from last year, even with inflationary pressures impacting the plan.

The chart below shows the annual premium for each tier. 

USG SHIP Plan Benefits Highlights and Plan Premiums – 2024 - 2025

  USG SHIP Benefits
Annual Individual Deductible $500
Coinsurance Percentage 80%
Out-of-Pocket Maximum $6,350 in-network / $10,500 out-of-network
Non-SHC Office Visit Copays
$20 / $20
Prescription Drug Copays $25 / $50 / $75
Lifetime Benefit Limit Unlimited
Annual Premiums Mandatory Premium Voluntary Premium
Student Only $2,936 $4,114
Spouse $3,229 $4,525
Child $3,229 $4,525
All Children $6,457 $9,052
All Dependents $9,687 $13,577
Undergraduate Student Benefit Premiums International Student Benefit Premiums


Premiums are charged on a per-semester basis. More information about the USG SHIP is also available at https://www.usg.edu/student_affairs/student_health_insurance_program_SHIP.

View the Mandatory Student Health Insurance Waiver and Enrollment Forms

If you have questions, please contact shipFREEOMNIUPDATE.