Franklin Cummings Tech
STUDENT HEALTH INSURANCE PLAN
2026-2027 Academic Year
Eligibility
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 Massachusetts law, all students enrolled in 9 or more credits are automatically billed for the Student Health Insurance Plan. To read the details of this law, click here.
Plan Highlights
UnitedHealthcare will continue to provide coverage for the Franklin Cummings Tech Student Health Insurance Plan (SHIP) for 2026-2027. The plan is ACA-compliant and includes access to their national network of PPO providers. Students do not have to select a primary care physician, and referrals are not required.
Franklin Cummings Tech 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 833-251-1739 or info@univhealthplans.com. For specific benefit questions or claims, students should contact UnitedHealthcare Student Resources at 800-767-0700.
Cost and Coverage Periods
| Annual Students | NEW Spring Students | |
|---|---|---|
| Coverage Dates | 8/28/26 - 8/27/27 | 1/18/27 - 8/27/27 |
| Insurance Cost | $2,985 | $1,816 |
| Waiver Deadline | September 15, 2026 |
April 1, 2027 |
Enrollment Process
Although students are automatically charged for the SHIP, they will not be automatically enrolled until after the deadline. Students needing coverage should submit the enrollment form located in the 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 Franklin Cummings Tech SHIP by completing the waiver form, located in the navigation menu. Before waiving, compare the cost, coverage, and benefits of the SHIP to 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 Franklin Cummings Tech campus area without restriction or limitation. Please note that 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 will be responsible for the 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 is located in the navigation menu under the Student Health Plan header.
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.
