Montserrat College of Art
STUDENT HEALTH INSURANCE PLAN

2026-2027 Academic Year

Eligibility

All students enrolled at least three-quarter time are required by Massachusetts state law to enroll in the Student Health Insurance Plan or maintain comparable health insurance coverage. To comply with this requirement, students registered for 9 or more credits are automatically billed for SHIP. To learn more about this law, click here. 

Plan Highlights

UnitedHealthcare Student Resources (UHCSR) provides coverage for the Montserrat College of Art Student Health Insurance Plan (SHIP) for the 2026–2027 academic year. The plan is ACA-compliant and includes access to UHCSR’s national PPO network. Students are not required to select a primary care physician, and referrals are not needed.

Montserrat College of Art has partnered with University Health Plans to administer the plan and assist with waiver, enrollment, and benefit-related questions. University Health Plans can be reached at 833-251-1255 or info@univhealthplans.com. For questions related to benefits or claims, students should contact UHCSR at 800-767-0700.

Cost and Coverage Periods

	Annual Students	NEW Spring Students
Coverage Dates	8/15/26 - 8/14/27	1/1/27 - 8/14/27
Student Cost	$2,738	TBD
Waiver Deadline	July 15, 2026	January 20, 2027

Enrollment Process

Students will be automatically enrolled in the Montserrat College of Art Student Health Insurance Plan and do not need to take any action.

Waiver Process

If you are covered by a comprehensive health insurance plan, you may opt out of the Montserrat College of Art SHIP by completing the waiver form located in the navigation menu. Before submitting a waiver, compare the cost, coverage, and benefits of SHIP with your existing plan. Please consider the following:

• The policy must be filed and approved in the US and fully compliant with the Affordable Care Act (ACA) benefit requirements. International insurance plans, travel insurance, and short-term limited-duration plans are not accepted.
• Your plan must provide access to doctors, specialists, hospitals, labs, pharmacies, and mental health/behavioral health providers in the Montserrat College of Art campus area. Please note, if you are enrolled in an out-of-state Medicaid, HMO, or EPO your coverage may not be sufficient in Massachusetts. Many out-of-state plans do not provide comprehensive benefits outside of the home service area, and urgent or emergency-only coverage in Massachusetts is not sufficient and does not meet the SHIP waiver requirements. 

If you do not submit a waiver form by the waiver deadline above, you will be enrolled in SHIP and responsible for the premium. 

International Students

All international students must enroll in SHIP unless they receive an approved exception by demonstrating they have a health insurance plan that, if filed and approved in the US and fully compliant with the Affordable Care Act (ACA) benefit requirements.

Please note that health insurance plans marketed solely to international students are often not filed in the U.S. and may offer limited benefits or coverage periods that do not comply with Massachusetts Student Health Insurance Plan regulations or Montserrat College of Art waiver requirements. ISO, PSI, Student Medicover, and NYIS Insurance are examples of companies that do not meet the waiver criteria.

Qualifying Event Enrollment Process

Students who waive SHIP may qualify for special enrollment rights if they experience an involuntary loss of other coverage. The Qualifying Event Enrollment Form is available in the navigation menu under the Student Health Plan section.

To enroll, you must submit an enrollment form, a letter from your prior insurance carrier documenting the loss of coverage, and payment within 60 days of the qualifying event. If all materials are received by the deadline, coverage will be effective on the first day without coverage under your prior plan.