Nicholas College

2022-2023 Academic Year

The Waiver Deadline Date for the Spring 2023 Term is February 5th, 2023


All students enrolled at least 3/4 time are required by Massachusetts State law to enroll in the Student Health Insurance or be covered by a health insurance plan with comparable coverage. To ensure compliance with the Massachusetts State Law, matriculated full-time and three-quarter-time Day students are automatically billed for and enrolled in the Student Health Insurance Plan. Only matriculated full-time and three-quarter-time Day students are eligible to purchase this plan. To read the details of this law, click here

Plan Highlights

The 2022-2023 Nichols 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.

Nichols 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 833-251-1153 or

Cost and Coverage Periods

  Annual Students New Spring Students
 Coverage Dates  8/15/22 - 8/14/23  1/1/23 - 8/14/23
 Insurance Cost  $3,617  $2,263
 Waiver/Enrollment Deadline  September 16, 2022  February 5, 2023

Waiver/Enrollment Process

If you are covered by a comprehensive health insurance plan you can opt out of the Nichols College SHIP by completing the waiver form, located in the navigation menu on the left-hand side of this page. Please allow 10-15 business days from the date of your waiver submission for the credit to be reflected on your student bill. Before waiving, compare the cost, coverage, and benefits of the SHIP to your existing plan.  To waive, your plan must meet the below requirements:

  • The policy must be a US-filed and approved ACA (Affordable Care Act) compliant plan. 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 Nichols College campus area. Please note, if you are covered by a health insurance plan outside the Dudley area, your coverage may be limited or unavailable while at Nichols College. This is particularly a concern if you are insured through an out-of-state Medicaid or HMO as these types of plans do not provide out-of-network coverage. Please check with your insurance company on possible limitations before submitting a waiver form. Urgent and/or emergency-only coverage does not meet the SHIP requirements.

Students needing coverage should enroll in the SHIP by completing the enrollment form located in the left-hand side navigation menu.  Although students are automatically charged for the SHIP on their spring term bill, students will not be automatically enrolled by the College until after the deadline date. Students should enroll as soon as possible to avoid difficulties in accessing their health insurance benefits.

International Students

International students may not waive the SHIP with insurance carriers from outside of the U.S. or foreign National Health Service programs. Please note, health insurance plans marketed solely to international students are often not filed in the U.S. and have limited benefits and/or coverage periods that do not comply with the Massachusetts Student Health Plan Regulations and the Nichols College waiver requirements. ISO, PSI, Student Medicover, PGH Global, GBG, DIANins, WellAway, and NYIS Insurance are examples of companies that do not meet the waiver requirements.

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 the enrollment form and premium quote, please contact University Health Plans at

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.

Student Financial Services
Nichols College
Learn. Lead. Succeed.

Phone: 508 213-2288
Fax: 508-213-2118
Twitter: @Nichols_SFS

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