How does University of Michigan's student health plan work?

UMich's student health insurance plan costs approximately $2,544/year. U-M allows waivers for plans with comparable benefits: $100,000+ in annual medical (U-M has a lower threshold than some Ivy peers), US PPO network, mental health benefits. Tower Hill provides waiver letters meeting UMich criteria. A private plan saves $1,900–$2,200/year.

What is Michigan Medicine and how does it serve students?

Michigan Medicine is the University of Michigan's academic medical center — consistently ranked among the top 10 hospitals in the US. U-M Health System includes University Hospital, C.S. Mott Children's Hospital, and dozens of specialty clinics, all adjacent to the main campus. International students are within walking distance of top-10-caliber medical care.

What are Ann Arbor winters like?

Ann Arbor winters are cold and snowy — December through March average 20–35°F with 40–50 inches of annual snowfall. Icy sidewalks, slip-and-fall injuries, and seasonal respiratory illness are common. Robust medical coverage is important. The good news: Michigan Medicine is one of the best places in the world to receive care if something serious happens.

How do I get to Michigan Medicine from off-campus?

The Ann Arbor Area Transportation Authority (TheRide) connects all parts of Ann Arbor to Michigan Medicine's complex. U-M also operates a free bus system (Blue Bus) connecting all campus areas. Michigan Medicine's main entrance is a 10–15 minute walk from most central campus housing.

Does the plan cover sports injuries for Big Ten athletes?

International student plans cover recreational sports injuries — intramural football, basketball, club sports, gym injuries, and fitness-related conditions. Varsity student athletes at U-M typically have separate athletic coverage through the athletics department. Recreational and club sports participation is covered under IMG and WorldTrips student plans.

What mental health resources are available for international students in Ann Arbor?

International students face unique mental health challenges — culture shock, academic pressure, and distance from home. In Ann Arbor, mental health services are available through your university's counseling center (typically included with tuition), community mental health clinics, and private therapists. Your Tower Hill international student plan includes mental health benefits — check your policy for session limits and in-network providers. Most plans cover outpatient therapy at $30–$60 per session after your deductible. For urgent mental health crises, call 988 (Suicide & Crisis Lifeline) or your university's 24/7 student support line.

Can I keep my student insurance during summer break if I stay in Ann Arbor?

Yes — most international student health plans allow you to extend coverage month-to-month during summer. If you're staying in Ann Arbor for an internship, research position, or personal reasons, contact Tower Hill before your policy expires at support@towerhillcorp.com or (844) 950-3468 to purchase a summer extension. If you're leaving the US for summer, some plans allow a temporary suspension and restart for fall. Never let coverage lapse — any medical condition that develops during a gap is treated as pre-existing when your new policy begins.

🐾Ann Arbor, Michigan·15,000+ intl students

International Student Health Insurance in Ann Arbor

University of Michigan enrolls 9,400 international students adjacent to a top-10 national hospital. Their plan costs $2,544/year. Get equivalent coverage for $30–$44/month.

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University Plans vs. Tower Hill — Ann ArborSave 75–85%

University	Intl Students	Univ Plan/yr	Tower Hill/yr
University of Michigan	9,400	$2,544/year	$30–$44/month
Eastern Michigan University	1,800	$1,800/year	$30–$44/month
Washtenaw Community College	800	$1,320/year	$30–$44/month
Concordia University Ann Arbor	150	$1,440/year	$30–$44/month
Typical Savings vs. University Plan			Up to 85% less

Why Ann Arbor International Students Need Private Insurance

Ann Arbor is dominated by the University of Michigan — one of the most respected public research universities in the world. Michigan Medicine (U-M Hospital) is consistently ranked top 10 nationally and is the primary healthcare resource for international students in Ann Arbor.

15,000+

Total intl students

$3,200

Avg ER visit cost

$30–$44/month

Tower Hill plan/mo

Ann Arbor's Top Hospitals — In Your Network

Nearly all U-M international students live in the central campus area (Central Campus, Medical Campus, North Campus). Michigan Medicine is on-campus, making healthcare physically accessible for all students.

🏥Michigan Medicine (University of Michigan Hospital)

🏥St. Joseph Mercy Health System

🏥Trinity Health Ann Arbor

🏥Chelsea Hospital

Average hospital stay in Ann Arbor: $3,000/day. With a US PPO plan, you pay only your deductible/copay — not the full billed rate.

How to Waive Your Ann Arbor University Health Plan

Get a quote & purchase

Choose a plan through Tower Hill. Takes 5 minutes online.

Request your waiver letter

Email us at support@towerhillcorp.com with your university name and waiver form. We respond within 1 business day.

Submit before the deadline

Upload your insurance certificate and waiver letter through your university's health portal. Deadlines are typically 2–4 weeks after enrollment.

Save $1,000–$3,000/year

Your university fee is reversed. You keep comprehensive coverage at a fraction of the cost.

Plans for International Students in Ann Arbor

All plans include US PPO network access and are accepted as health insurance waivers at Ann Arbor-area universities.

⭐ Top Pick for Ann Arbor International Students

Most University-Accepted

IMG Global

Student Health Advantage

~$35/month

Accepted as a health insurance waiver at 500+ US universities. US PPO network, mental health, preventive care, and prescription drugs.

✓F-1 & J-1 visa compliant

✓US PPO network

✓Mental health & counseling

✓Preventive care & vaccines

✓Prescription drug coverage

✓University waiver-ready

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Best Price-to-Coverage

WorldTrips

Atlas America Student

~$30/month

Strong US network, competitive pricing. Popular among students who want comprehensive coverage without paying top dollar.

✓US PPO network access

✓Emergency medical

✓Mental health benefits

✓Telemedicine included

✓Sports & activities covered

✓Semester or annual

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Most Affordable

Trawick International

Safe Travels USA Student

~$25/month

Lowest-cost plan that meets most university waiver minimums. Ideal for budget-focused students needing compliance.

✓F-1 compliant

✓Emergency medical

✓Emergency evacuation

✓Repatriation of remains

✓Acute onset pre-existing

✓No deductible option

Get a Quote →

Frequently Asked Questions

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Studying in Ann Arbor?

Get instant health insurance quotes for international students in Ann Arbor, Michigan. University waiver letter provided.

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