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William Paterson University

2023-2024 Academic Year

Health Insurance Requirement

In accordance with the state law, William Paterson University is required to offer health insurance coverage for purchase by students who are enrolled full-time. The plan being offered for the 2023-2024 academic year is through Aetna Student Health. 

Full-time students, as defined below for health insurance purposes, are automatically billed for health insurance. Full-time students have the opportunity to waive/opt out of this coverage by providing evidence of health insurance coverage by completing the online waiver form by the waiver deadlines established by the University and identified below.

  • Undergraduate taking 12 or more credits
  • Graduate taking 9 or more credits
  • Biology/Biotechnology Graduate taking 8 or more credits
  • Doctor of Clinical Psychology taking 6 or more credits

Please note, the Student Health Insurance Plan is not available to part-time students.

Cost and Policy Periods

  Annual NEW Spring Students J-1 International Fall
Policy Period 8/1/23-7/31/24 1/1/24-7/31/24 8/24/23-12/31/23
Student $2,611 $1,520 $927
Deadline Date September 29, 2023 February 24, 2024 September 29, 2023

The waiver appeal deadline for NEW Spring 2024 students is March 15, 2024.

Plan Highlights

The Student Health Insurance Plan will continue to be provided by Aetna Student Health. The plan is ACA compliant and includes access to Aetna's national PPO network of providers. Students do not have to select a primary care physician and referrals are not required.  In order to keep the premium competitive, the following benefit changes were made: Deductible increased to $500 preferred care/$1,000 non-preferred care.

WPUNJ 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 833-251-1114 or

Fall 2023

The annual Student Health Insurance fee will be automatically billed to all full-time students during the fall billing cycle. Students who waive their insurance in the fall may not enroll in the spring semester unless there is a qualifying life event. A qualifying life event is a change in your situation, like getting married, having a baby, adoption or losing health coverage that allows you to enroll in health insurance within the first 31 days of the event  outside the waiver and enrollment period. To enroll due to a qualifying life event contact University Health Plans at 833-251-1114.

Spring 2024 for NEW spring students

The Spring Student Health Insurance plan will be billed to all new incoming full-time students and students who were part-time for the Fall 2023 semester and become full-time for the the Spring 2024 semester.

Health Insurance Enrollment/Waiver Information

Students are required to enroll in or waive the Student Health Insurance Plan each academic year. If you plan to keep the University Sponsored Student Health Insurance Plan, you confirm enrollment prior to the plan effective date. If you have other coverage you must complete the online waiver form to have this charge removed from your bill. If you do not complete the waiver form by the deadline date, or confirm enrollment, you will be automatically enrolled in the Aetna Student Health Insurance Plan after the waiver deadline. The "Waiver Form" and "Enrollment Form" are located in the left-hand side navigation menu.

Disclaimer: If you withdraw from all/some courses on/or after the add/drop period it does not remove the health insurance premium. You will still remain enrolled in the Student Health Insurance Plan for the duration of the policy period. You will also be financially responsible for the full cost of the health insurance premium unless you have an approved waiver on file by the deadline date.

Important information: Copies of your insurance card submitted to the Office of Student Accounts or any other William Paterson University office does not constitute a waiver and is not acceptable. The University reserves the right to audit all waivers in order to ensure compliance with the University insurance requirements. Please be sure to have a copy of your insurance policy as you may be asked to provide documentation. A valid insurance card must be available when submitting the insurance waiver. Pending insurance coverage or a letter from your employer or third company is NOT acceptable.

Other Coverage Options

For additional information, including information about the health care law, finding insurance options, and accessing your state’s health insurance exchange, please refer to

Contact Information

A summary of the insurance benefits and directory of the provider network can be found in the left-hand side navigation menu.  UHP is available to manage the waiver and enrollment process and answer general questions about the insurance plan. To speak with a representative, please call 833-251-1114 or send an email to If you have specific questions regarding the benefits, please feel free to contact Aetna Student Health at 800-481-8814. If you have questions about your tuition bill, please contact the Office of Student Accounts, William Paterson University, at 973-720-2234.