All full-time, degree-seeking students enrolled in at least one in-person course are required to maintain adequate health insurance to protect against unexpected accidents and illnesses. Most of these students are automatically enrolled in the university-sponsored student health insurance plan, and the premium is charged to their student account—unless they provide proof of comparable coverage and are approved for a waiver.
Students eligible to waive the university plan must do so each academic year.
International students with an active F-1 or J-1 visa are not eligible to waive and are required to enroll in the university plan.
In some cases, a student's department may cover the cost of health benefits. When this applies, students will see a credit on their SIS bill for medical, dental, and/or vision coverage.
If you have private insurance coverage comparable to the university plan, then you may be eligible to submit a waiver request form via the Student Information System (SIS) during the open-enrollment period.
Please note: A waiver request form must be submitted every academic year, even if your insurance information has not changed. Waivers will not be accepted after the open enrollment deadlines: July 15 for learners and September 15 for students.
For all schools except Bloomberg School of Public Health (BSPH):
ACADEMIC PERIOD | COVERAGE DATES | ENROLLMENT/WAIVER PERIOD |
EARLY FALL (NEW AAP, SAIS, CAREY, SOM MEDICAL STUDENTS) | Aug 1 - Dec 31 | July 1 - Sept 15 |
FALL | Aug 15 - Dec 31 | July 1 - Sept 15 |
SPRING | Jan 1 - Aug 14 | Dec 1 - Feb 15 |
SUMMER (NEW STUDENTS ONLY) | July 1 - Aug 14 | June 1 - Aug 14 |
Students who start in the summer may have their coverage begin on May 15, June 1, or July 1. You will be notified by email ([email protected]) about your coverage start date.
For Bloomberg School of Public Health (BSPH):
ACADEMIC PERIOD | COVERAGE DATES | ENROLLMENT/WAIVER PERIOD |
TERM 1 | Aug 15 - Oct 31 | July 1 - Sept 15 |
TERM 2 | Nov 1 - Dec 31 | Oct 1 - Nov 15 |
TERM 3 | Jan 1 - Mar 31 | Dec 1 - Feb 15 |
TERM 4 | April 1 - Aug 14 | Mar 1 - Apr 15 |
SUMMER (NEW STUDENTS ONLY) | July 1 - Aug 14 | June 1 - Aug 14 |
Students who start in the summer may have their coverage begin on May 15, June 1, or July 1. You will be notified by email ([email protected]) about your coverage start date.
Comparable coverage to the university plan must meet all of the waiver criteria requirements below.
Note: A deductible is the amount you pay for covered health care services before the insurance plan starts to pay (e.g. with a $2,000 deductible you pay the first $2,000 of covered services for yourself, after you pay your deductible, you usually pay only a copayment or coinsurance for covered services). An out-of-pocket maximum is the total amount you pay each plan year for healthcare including co-pays, deductibles, and co-insurance. Once you have reached your out-of-pocket maximum, your plan will pay for 100% of the allowed amount for covered services.
For comparison purposes, the school-sponsored health insurance plan has a $150 individual deductible and a $3,000 out-of-pocket-maximum.