2022-2023 Academic Year

The Spring 2023 waiver deadline was January 6, 2023. A Waiver Appeal Form is now available.
The deadline to submit the Waiver Appeal Form is
March 1, 2023. 

All students enrolled in at least 75% of the full-time curriculum are required by Massachusetts State law to enroll in the Student Health Insurance Plan (SHIP) or be covered by a health insurance plan with comparable coverage. To ensure compliance with Massachusetts law, domestic undergraduate students registered for 9 or more credits and all international students are automatically billed for the SHIP. Domestic graduate students are not eligible for the Student Health Insurance Plan as their programs are made up of online only or short-term courses that meet once a week or less per semester.

Student Health Insurance Policy Period and Premiums

The 2022-2023 Endicott College Student Health Insurance Plan (SHIP) is provided by Blue Cross Blue Shield of Massachusetts. The plan is ACA compliant and includes access to Blue Cross Blue Shield's national PPO network of providers. Students do not have to select a primary care physician and referrals are not required.

Endicott College has partnered with University Health Plans to administer the plan and help with waiver, enrollment, or benefit-related questions. University Health Plans can be reached at 833-251-1725 or info@univhealthplans.com.

  Annual Students Newly Eligible Spring Students
Coverage Dates 8/19/22-8/18/23 1/1/23-8/18/23
Insurance Cost $2,753 $1,722.50
Waiver Deadline October 7, 2022 January 6, 2023

To waive the Student Health Insurance Plan and report your own insurance:

  • The policy must be a US health insurance plan that is filed and approved in the US
  • The policy must provide coverage for the entire academic year (8/19/22-8/18/23) with no break in coverage. New spring students must provide coverage (1/1/23-8/18/23). Travel insurance and short-term limited duration plans are not accepted
  • The policy must be in full compliance with the Affordable Care Act (ACA) and provide minimum essential coverage as defined by the ACA, including:
    • An unlimited policy maximum
    • Pre-existing condition coverage
    • Emergency and non-emergency coverage in the Beverly area
    • An unlimited maximum for mental/behavioral health care for inpatient and outpatient service

The deadline to waive the Annual Student Health Insurance Plan is on October 7, 2022. For NEW incoming Spring 2023 students the deadline to waive the Spring Student Health Insurance Plan is January 6, 2023.  


Undergraduate Student Enrollment/Waiver Process

Students who have an insurance plan that meets the above standards may select to waive the Student Health Insurance Plan by completing the waiver form located in the left navigation menu on this page. Students who would like to enroll in the Student Health Insurance Plan may complete the enrollment form located in left navigation menu of this page. Although undergraduate students are automatically charged for the Student Health Insurance Plan, students will not be automatically enrolled in the Student Health Insurance Plan by the College until after Endicott add/drop deadline. Students should complete the enrollment form as soon as possible to avoid difficulties in accessing their health insurance benefits. 

International Student Enrollment/Waiver Process

International students are enrolled on a mandatory basis and cannot waive the Student Health Insurance Plan.

Please note, health insurance plans marketed solely to international students are often not filed in the U.S., have limited benefits and/or coverage periods that do not comply with the Massachusetts Student Health Plan Regulations and the Endicott College waiver requirements. ISO, PSI and Student Medicover are examples of companies that do not meet the waiver requirements but market their plans to international students. The Endicott Student Health Insurance Plan meets F1/J1 visa requirements.

Domestic Graduate Students

Effective as of the 2022-2023 policy year domestic graduate students are not eligible for the Student Health Insurance Plan as their programs are made up of online only or short-term courses that meet once a week or less per semester. For information on insurance options, please select the link on the left hand side of the page "Insurance Information for Graduating Students and Dependents". 

Qualifying Event Enrollment Process

Students who waived the SHIP may qualify for special enrollment rights if they incur an involuntary loss of other coverage. To request an enrollment form and premium quote, contact University Health Plans at 833-251-1725 or info@univhealthplans.com

To enroll, you must submit an enrollment form and a letter from your prior insurance company documenting your loss of coverage within 60 days of the qualifying event. If all items are received by the deadline coverage will be effective as of the first day without coverage under your prior plan. The prorated premium will be added to your student account. 

Additional Information

The following students are not eligible for the student health insurance plan:

  • Domestic Graduate Students
  • Online Only Students
  • Students who take a leave of absence within the first 31 days of classes

UHP is available to manage the enrollment and answer general questions about the insurance plan. To speak with a representative, please call (833) 251-1725 or send an email to info@univhealthplans.com. If you have specific questions regarding the benefits, please feel free to contact Blue Cross Blue Shield of Massachusetts at (888) 753-6615.