Student Health Insurance

Northeast State encourages every student to have health insurance. The Tennessee Board of Regents (TBR) provides the following options.

Domestic Students

There is not a TBR-sponsored plan for domestic students this academic year due to market constraints. Instead, a website has been established where students can compare various healthcare exchange and marketplace options. The exchange will also tell students if they qualify for free or low-cost coverage available through Medicaid or the Children’s Health Insurance Program (CHIP). Additional information about the exchange is available here.

An exchange, as created under the Affordable Care Act (ACA), is a place where consumers can purchase subsidized health insurance coverage.

Exchanges are online marketplaces and interactive websites where shoppers can research all of their options, compare offerings, and buy health insurance.

The Affordable Care Act (ACA) no longer allows insurers to deny coverage or charge people more based on their health status or pre-existing conditions. Today, people without or who have been unable to buy coverage in the past can now shop for health insurance.

The ACA provides tax credits and subsidies for qualified individuals to help make insurance more affordable. Individuals shop on an exchange.

As you shop the exchange, you will make decisions based a few criteria:

  1. Select the health insurance company and network of doctors. Every state has many health insurance options.
  2. Select a level of coverage. Each plan has four levels of coverage called "metal" plans: Platinum, Gold, Silver, and Bronze. Each plan is based on a percentage of coverage amounts.
  3. Select a premium you can afford. You may qualify for a federal subsidy.

All plans on an exchange have to offer some core benefits – called essential health benefits – like preventative and wellness services, prescription drugs, and coverage for hospital stays.

You can call 1.800.647.4104 or go online at

The Open Enrollment period for 2018 is November 1, 2017, to December 15, 2017. Deadlines are:

  • November 1, 2017: Open Enrollment begins. Apply for or change your coverage.
  • December 15, 2017: Deadline in order to have coverage that begins on January 1, 2018.
  • December 31, 2017: Coverage ends for 2017 plans. You will be auto-renewed if you don’t change your plan.

If you miss the December 15, 2017, deadline, you cannot enroll until the marketplace reopens in November 2018 unless you have a "life event” such as having a baby or losing your job.

If you have questions about the Affordable Care Act and the Health Insurance Marketplace, visit or call the Marketplace Call Center toll-free at 1.800.318.2596. TTY users should call 1.855.889.4325. Tell the customer service representative if you need help in a language other than English. You can also visit to find help in your area.

International Students

The international student insurance provider is International Student Protection (ISP). The Tennessee Board of Regents (TBR) has partnered with ISP to provide the medical insurance plan for international students attending the colleges within the TBR system. When enrolling for coverage, you will be able to purchase for the time period required by your institution.

Please visit You can navigate to Northeast State's page via the "Select Your College..." drop-down menu in the center of the page. From here, you can view the plan information and enroll by selecting the appropriate option based on your status. Deadline for open enrollment is August 30, 2017. 

You will be able to enroll and pay through the website. Once you complete your enrollment, you will need to create an online account where you can access your ID card. Click “My Account” from the Student Tools menu on the page.

Please Note: After you enroll, you will need to wait approximately 2-4 business days before you can access your account and ID card. 

  • Annual/Fall Dependent Enrollment Deadline: 8/30/17
  • Spring Dependent Enrollment Deadline: 1/31/18*
  • Summer Dependent Enrollment Deadline: 6/30/18*

*Spring and Summer enrollment periods are open to new incoming students and renewing students only. Students who were enrolled at a TBR school for Fall semester but were not covered under this plan are not eligible to enroll for Spring or Summer coverage. 

For any questions, please contact ISP directly at 1.877.738.5787 or Your primary contact is Jim Bueno at

For more information on Northeast State admission requirements for international students, contact Dawn Carter, Associate Registrar, at 423.354.2530.