Student Health Insurance Information
To ensure compliance, you are automatically billed for the SHIP and will be automatically enrolled if a waiver is not submitted online by Monday, September 14, 2026.
All full-time students must have health insurance and are automatically charged for the Student Health Insurance Plan (SHIP) on their student account to ensure compliance. However, students have the opportunity to waive or opt out of SHIP by submitting proof of a comprehensive, Affordable Care Act (ACA)-compliant health insurance plan online through University Health Plans.
Deadline to Waive or Enroll
To ensure compliance, you are automatically billed for the SHIP and will be automatically enrolled if a waiver is not submitted online by Monday, September 14, 2026.
You will be responsible for paying the premium even if you have other health insurance coverage, if you fail to waive it by the deadline! Get More Information about Student Health Insurance.
How to Waive or Enroll in the University Health Insurance
Visit the University Health Plans (UHP) Website to either waive or enroll in the school-sponsored health insurance plan. Please complete one of the following actions:
Waive: Complete the Waiver Form before the deadline of Monday, September 14, 2026.
Enroll: Complete the Enroll Form. Choosing not to enroll does not automatically waive your coverage.
If you do not act to waive or enroll, you will receive weekly reminders directly from University Health Plans (UHP).
Additional Information
- *Full-time students are defined as:
- Undergraduate: twelve (12) or more credits.
- Graduate: nine (9) or more credits
- Fully online degree program students:
- Students enrolled in fully online degree programs are exempt from the health insurance requirement and not eligible to enroll in SHIP. Please refer to the list of online degree programs offered by Montclair State University.
- International students:
- All F-1 students, regardless of full-time or part-time status, are required to have U.S.-filed, ACA-compliant health insurance.
- J-1 visa holders must meet the US Department of State’s health insurance minimums. Please visit Mandatory Health Requirements on the Office of Global Engagement page to view the mandatory health requirements.
- International students do not have access to the online enrollment form. They are automatically enrolled prior to the waiver deadline date.
- If you have your own health insurance plan that meets all of the waiver requirements, you can request the International Student Waiver Form by contacting University Health Plans.
- Health insurance plans marketed solely to International students are often not filed and approved in the U.S., have limited benefits, provider networks, and/or coverage periods, and do not comply with the Montclair State insurance requirements. GBG Insurance, HDL Global Specialty, ISO, PGH (United), PSI, Student Medicover, and Tata AIG are examples of companies that do not meet the waiver requirements.
Need Help Waiving, Enrolling or Deciding?
View the University Health Plans website for more information. You may also call/email University Health Plans at 833-251-1705 or info@univhealthplans.com.
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