Rider University

2023-2024 Academic Year

Insurance Requirement

Undergraduate Students taking 12 or more credits, Graduate Students taking 9 or more credits, and all International Students are required to have health insurance. Students required to have health insurance will be enrolled in and charged for the Student Health Insurance Plan (SHIP). Students may opt out of the SHIP by submitting a waiver form documenting proof of comparable coverage. Domestic students intending to enroll in the SHIP should submit an enrollment form to confirm enrollment. Students that take no action will be enrolled after the deadline and responsible for the premium charged to the tuition statement. 

Insurance Cost & Coverage Periods

* cost and benefits are pending NJ Department of Insurance review and are subject to change

  Annual Students New Spring Students
Coverage Dates August 20, 2023 – August 19, 2024  January 15, 2024 – August 19, 2024
Cost * $2,856 TBD
Waiver/Enrollment Deadline September 22, 2023 TBD

Plan Highlights

United Healthcare Student Resources provides the 2023-24 Rider University Student Health Insurance Plan (SHIP).  The plan is ACA-compliant and includes access to United Healthcare's National Network of PPO Providers. Students do not have to select a primary care physician; referrals are not required.

Please Note: due to the rising costs of healthcare and an increase in the utilization of the Rider student health insurance plan, the following plan changes have been imposed for the 2023-2024 policy year to help keep the insurance premium and the plan a viable option for students.

  • The Out-of-Pocket Maximum will increase to $9,100 in-network and $18,200 out-of-network. 
  • The Tier 1 prescription drug copayments will increase to $15

Rider University has partnered with University Health Plans to administer the plan and help with eligibility, waiver, enrollment, and general benefit-related questions. University Health Plans can be reached at 833-251-1146 or info@univhealthplans.comFor specific benefit or claim-related questions, please contact First Risk Advisors at 1-800-505-4160.   

Waiver Process

Students covered by a comprehensive health insurance plan in the area surrounding the Rider University campus can opt out of the SHIP by completing the waiver form. Before waiving, compare the cost, coverage, and benefits of the SHIP to your existing plan. If you do not submit a waiver form by the deadline aboveyou will be enrolled in the SHIP and responsible for the cost of the insurance plan. 

Enrollment Process

Although domestic students are automatically charged for the SHIP, domestic student information is not transferred to UHCSR until the deadline. Domestic students planning to use the student health insurance plan should complete the enrollment form to transfer their information to the insurance company. Students who do not submit a form by the deadline will be enrolled in the SHIP retroactively, effective August 20, 2023. Please allow 5 business days after you submit an enrollment form for your enrollment to be activated in the insurance company's database.  International students are automatically enrolled in the plan at registration; no additional action is required.


The student must actively attend classes for at least the first 31 days after the date for which coverage is purchased. Home study, correspondence, and online courses do not fulfill the student's eligibility requirements to actively attend classes. The Company maintains its right to investigate eligibility, student status, and attendance records to verify that the Policy eligibility requirements have been met. If and whenever the Company discovers that the Policy eligibility requirements have not been met, its only obligation is to refund premium contribution amounts. 

Qualifying Event Enrollment

Students who waived the SHIP may qualify for special enrollment rights if they incur an involuntary loss of other coverage. To request an enrollment form and premium quote, contact university health plans at 833-251-1146 or info@univhealthplans.com. You must submit all qualifying event enrollment paperwork and documentation within 30 days of the qualifying event.