<p>I want to waive it. Is anyone from other states here? If yes, are you going to waive the insurance program of USC and apply for another one by yourself outside of USC? What insurance program are you going to apply for? Any good suggestions?</p>
<p>PS: I'm from NY, so the insurance program that I currently have does not cover for me if I stay in California.</p>
<p>I’m waiving it 
My parent’s insurance is excellent, so I’m not going to apply for an outside insurer. If you don’t mind me asking, why waive the USC insurance if yours doesn’t cover CA? Is it easier to apply for a different insurance program?</p>
<p>because it’s about $1000 a year…it’s expensive :(</p>
<p>shinywing, you will find that private insurance for you alone will probably cost more than the USC plan - remember, any plan you sign up for MUST meet USC’s minimum requirements, or you will still be required to pay for the USC plan.** You can’t just sign up for a “cheap” plan. Don’t sign a contract with a private insurer until you have checked with USC to be SURE they will waive the USC health plan.</p>
<p>**And yes, I am absolutely sure about this, because we have good private insurance and still are unable to waive the USC insurance, so we pay the $1,000/year *in addition *to our other health insurance premiums.</p>
<p>When shopping for private insurance, bear in mind that the USC plan extends for 12 months, and so costs approximately $84 per month. It will be difficult to find a plan that meets USC’s specifications for you alone for anything near that price.</p>
<p>Have you checked with your parent’s insurer to see how much it might cost to *add coverage *for you while you are at USC?</p>
<p>If it is $84 per month for the Blue Cross plan offered through USC, you are definitely not going to find anything cheaper in the individual market in southern California that will meet USC’s requirements, plus in the individual market you would be subject to underwriting requirements that don’t apply to the USC plan - ie your premiums would be higher if, for example, you have a pre-existing condition. The USC plan is relatively inexpensive because it is covering a large group of young, healthy people.</p>
<p>$84/month is super cheap for health insurance fyi.</p>