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Risk Strategies - University Health Plans

Emmanuel College

2024-2025 Academic Year



The Massachusetts Student Health Insurance Plan Regulation mandates that all students enrolled three-quarter time to full-time participate in a qualifying student health insurance program. To ensure compliance with Massachusetts law, undergraduates who are registered for 9 or more credit hours are automatically billed for the Student Health Insurance Plan (SHIP).

Plan Highlights

The 2024-2025 Emmanuel College 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.

Emmanuel 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 833-251-1727 or

Cost and Coverage Periods

  Annual Students New Spring Students
Coverage Dates 8/15/24 - 8/14/25 1/1/25 - 8/14/25
Insurance Cost $3,900 $2,430
Waiver/Enrollment Deadline August 7, 2024 TBD

Enrollment Process

Although students are automatically charged for the SHIP, students will not be automatically enrolled until after the deadline. Students needing coverage should submit the enrollment form located in the left-hand side navigation menu as soon as possible to avoid delays in accessing their health insurance benefits.

Waiver Process

If you are covered by a comprehensive health insurance plan you can opt out of the Emmanuel College SHIP by completing the waiver form, located in the left-hand side navigation menu. Before waiving, compare the cost, coverage, and benefits of the SHIP to your existing plan. International insurance, National Health Service programs, travel insurance, short-term limited duration plans, and health sharing plans/Christian Healthcare Ministries do not meet the insurance requirement and are not accepted. 

To waive, your plan must meet the below requirements. 

  • Your insurance company must have its headquarters in the United States; an office in the US does not meet this requirement. 
  • Your policy must have unlimited coverage for essential health benefits as defined by the ACA.  
  • Emergency room visits that do not result in admission to the hospital must be covered. 
  • Mental health must be covered as any other illness or injury. This means that both in-patient and out-patient treatment must be covered. 
  • There must be coverage for pre-existing conditions. 
  • Please be aware of your plan’s deductible and confirm you are financially able to meet the deductible of your plan. 
  • Your plan must be portable to Massachusetts. 
    • Note: Out-of-state Medicaid (including AmeriHealth Caritas, Anthem HealthKeepers Plus, Cardinal Care, Green Mountain Care, Husky Health, MaineCare, Medi-Cal, NH Healthy Families, Simply Healthcare, Vermont Health Connect, and others) as well as many out-of-state HMO plans do not provide out-of-network coverage. Urgent and/or emergency-only coverage does not meet the health insurance requirements. Some out-of-state plans may offer an “away from home” or “out of area” rider that can be added to your plan to provide coverage in Massachusetts. Before completing a waiver form, please contact your health insurance company to confirm that your plan provides both emergency and non-emergency care in Massachusetts.

Students who do not submit an enrollment or waiver form by the deadline will be enrolled in the SHIP retroactively to the policy effective date and responsible for the insurance premium.

Qualifying Event Enrollment Process

Students who waived the SHIP may qualify for special enrollment rights if they incur an involuntary loss of other coverage. The Qualifying Event Enrollment Form can be found in the navigation menu on the left-hand side of this page. To request a premium quote, contact University Health Plans at 800-437-6448 or

To enroll, you must submit an enrollment form, a letter from your prior insurance company documenting your loss of coverage, and payment 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.

Voluntary Enrollment

Students enrolled less than three-quarter time are not eligible for the Student Health Insurance Plan.

Dependent Enrollment

Dependents are not eligible to enroll in the Student Health Insurance Plan.