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Risk Strategies - University Health Plans

University of Vermont

2024-2025 Academic Year

As you prepare for the 2024-2025 academic year, we urge you to consider your health insurance coverage a top priority.  It is important that students have access to comprehensive medical care while enrolled at the University of Vermont. Health insurance is mandatory for all full time UVM students, and you must complete an online insurance decision/waiver which either:

  1. Purchases the University of Vermont-sponsored Student Health Insurance Plan, or
  2. Declines participation in the insurance by identifying comparable coverage currently in place with another insurance company.

Note: International Students are automatically enrolled in the UVM SHIP, and the online health insurance decision/waiver form is not available to this group of students.

Plan Highlights

The Student Health Insurance Plan (SHIP) is serviced by University Health Plans and underwritten by Wellfleet Insurance Company. Claims are paid by Wellfleet Group.  University Health Plans can be reached at 833-251-1119 or

Students who enroll in the UVM Student Health Insurance Plan are required to obtain all primary/preventative/routine care at the Center for Health & Wellbeing (CHWB). The Student Health Insurance covers preventative/routine care for student members ONLY when obtained at the on-campus Student Health Services clinics.  Students are required to obtain Primary Care at the UVM Student Health Services.

To ensure that UVM students have access to health-related services, CHWB is available to all eligible students, regardless of their health insurance coverage. For complete information about our services, please visit our website at

Insurance Cost & Coverage Periods

Coverage Period Annual Fall Only Spring Only
Dates of Coverage 8/1/2024 - 7/31/2025 8/1/2024 - 12/31/2024 1/1/2025 - 7/31/2025
Student Cost $4,478 $1,877 $2,601
Deadline Dates September 15, 2024 September 15, 2024 February 15, 2025

Enrollment/Waver Process

You must complete the on-line insurance Decision Form by clicking on the link below or selecting the form from the navigation menu to register your decision by the deadline date:

This waiver is required annually, regardless of your insurance decision. Students who do not complete an online waiver by July 1, 2024 (December 1, 2024 for Spring Term) will be billed, the insurance premium will be added to their UVM student account, and a hold will be placed on their registration. The hold and charges can be reversed within the Open Enrollment Period through September 15, 2024 (February 15, 2025 for Spring Term).

Before waiving the UVM SHIP

If you are considering waiving UVM’s SHIP, please note that some insurance plans are restrictive and may leave students either under-insured or essentially uninsured while away at school. This could result in you and/or your family incurring substantial out-of-pocket costs for medical care. In evaluating your plan, you must verify the following:

  • My plan provides medical benefits in compliance with all U.S. Federal Health Insurance Requirements with NO maximum annual coverage restriction and coverage that is accessible in the Burlington, Vermont area for:
    • Lab tests and x-rays
    • Prescription medications
    • Hospitalization (including room and board, physicians’ fees and surgical expenses)
    • Outpatient hospital services
    • Mental health care
    • Emergency room care
    • Intercollegiate sports injuries
  • My plan will cover me through August 1, 2025
  • My plan does not have a high deductible that must be met before I am allowed to access

Qualifying Event Enrollment Process

Students who waived the SHIP may qualify for special enrollment rights if they incur a loss of other coverage. To request enrollment and premium quote, contact the UVM Center for Health & Wellbeing at 802-656-0602 or email

Dependent Enrollment

Eligible students may also insure, on a Voluntary Participation Basis, their eligible Dependents. The dependent enrollment for can be found under the navigation menu.