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Health Insurance Information for Graduate Students: Home

FAQs from University Information Sources

Selected Graduate Student Health Insurance FAQs from the Graduate Studies website. For the entire list of FAQs, go to the Graduate Studies Website.

Q: Who is eligible for the additional stipend/fellowship?

A: Graduate student employees in the following job titles are eligible for the stipend/fellowship:

Graduate Teaching Assistant (4717)

Graduate Research Assistant (4715)

Graduate Instructor (4685)

Graduate Library Assistant (4690)

Graduate Fellow (4680)

The position and the student must also meet the eligibility criteria for a tuition waiver in order to be eligible for the stipend/fellowship.

Q: How much will the stipend/fellowship be?

A: The amount will vary depending on whether you are a domestic students or an international student and the amount of your FTE (full-time equivalent appointment).

Eligible domestic students who are .50 FTE will receive $1,240

Eligible domestic students who are 0.25 FTE will receive $620

Eligible international students who are .50 FTE will receive $709

Eligible international students with .25 FTE will receive $620

Q: Will we receive another stipend/fellowship in the spring?

A: No. This is a one-time payment for the 2015-16 academic year.

Q: Will international students still be required to enroll in student health insurance?

A: Yes. Many of our international students have visa requirements that specify they must enroll in a health insurance plan. These students will be automatically enrolled in the student health plan. However, unlike in previous years, international students in qualifying titles must pay for the insurance. The cost will be $1,685 for the year or $709 for the fall semester.

Q: How and when will we receive the stipend/fellowship money?

Over the next week Graduate Studies will generate a list of current eligible students from which your payment will then be processed and added to your account. It may require an additional week to get this completed but be assured you will receive this money.

Q: Will the stipend/fellowship be taxed?

A: Yes. most likely the stipend/fellowship will be considered taxable income similar to other forms of fellowships and compensation. However, the tax rate for most students is such that this additional amount will have minimal impact on your tax burden. 

Q: Can I still buy the student health insurance?

Yes. Any student may purchase the student health-insurance plan. The student health plan and the use of the Student Health Center will not change.

Q: How can I enroll in the student health plan?

A: You can enroll directly through the Aetna website and pay the premium cost to them by their Sept. 11 deadline. You also may enroll through myZou, and the bill will appear on your myZou account.

Q: I enrolled in the student insurance for the fall semester early in July, and the subsidy was applied to my myZou account. What happens now?

A: The subsidy amount will be withdrawn from your myZou account. If you wish to change your insurance options, you may do so until Sept. 11. If you do not change your selections, you will be billed for the insurance.

Q: The deadline to pay my bill in myZou has passed, but I haven’t decided what to do about the insurance costs. Will I be charged late fees?

A: Graduate Studies has informed the Office of Cashiers of the challenges and difficulties surrounding the student insurance decisions. The office will work with students to help avoid any fees due to insurance costs.

Q: I am paid by a grant to my adviser. Will I still get the stipend/fellowship?

A: Yes, you will receive the stipend/fellowship.

Q: Will my adviser’s grant be charged for this stipend/fellowship?

A: No, it will not be charged for this stipend/fellowship.

Q: Can the grant pay my insurance premiums?

A: Technically, yes, the grant can pay the cost of your insurance premium through sponsored billing. Your adviser should check with the Office of Sponsored Programs.

FAQs from Local News Sources

Selected questions and answers from the Missourian's "FAQ: So you've lost your MU health insurance. Now what?" from August 18, 2015. To read the entire article, go here.

Q: What are my options for health insurance now?

  1. International students: You'll get $709 for 20-hour assistantships and $620 for 10-hour positions, but you'll owe an additional $970 to stay on the university's insurance plan for 12 months.
  2. Domestic students: You can stay on the university's plan by paying $3,051 for one year of coverage or $1,240 for the fall semester. You'll receive a one-time fellowship of $1,240 for 20-hour assistantships and $620 for 10-hour positions.
  3. Students younger than 26 can be covered under their parents’ insurance plan.
  4. Insurance can be bought through the federal health insurance marketplace at

Q: Am I eligible for federally subsidized health insurance?

A: Possibly. An individual needs a minimum annual income of $11,670 to qualify. You can apply at While open enrollment begins Nov. 15, you’ll be eligible to enroll immediately because of a special exemption.

Q: What about Medicaid?

A: Missouri legislators decided not to accept federal funding to expand Medicaid coverage for those who don’t earn enough to qualify for federal subsidies. In Missouri, disabled adults, pregnant women and parents with incomes near the poverty level may be eligible.

Q: How long will I be without coverage?

  1. You’ll have continuous coverage if you stay on the university’s plan.
  2. Through the federal marketplace plan, insurance coverage begins on the first of each month. Enroll and pay the first month premium the 15th of the month, and coverage will begin two weeks later.

Q: Will I pay a penalty if I don’t enroll in insurance coverage? 

A: *Possibly. has a tool that points you towards penalty exemptions, which could include a low income or not being able to find insurance that costs less than 8 percent of your income.

Q: Who’s representing me?

Graduate student organizations have created a Facebook group to share updates and information on the issue. The group is known as the Forum on Graduate Rights

Q: How can I share my story?

A: Forum organizers recommend using the hashtags #Mizzou and #GradInsurance on Twitter as well as posting stories on YouTube. If you do so, you can send a link to You can also get involved with the Forum on Graduate Rights by emailing

Q: What's next?

A: MU Chancellor R. Bowen Loftin has requested the creation of a task force for recommendations on providing affordable insurance to graduate students. The recommendations are due to Loftin by Oct. 31.