The College of the Holy Cross Student Health Insurance Plan (SHIP) has experienced rising premiums due to the higher cost of healthcare and increased utilization of the plan. The 22-23 SHIP premium will be $2,993 and to keep the SHIP benefits and premium a viable option for students the following increases in cost share have been made:

• 20% of the preferred allowance for in-network hospitalizations, emergency transportation, and durable medical equipment
• $100 copay for in-network high-tech imaging (CT/PET scans, MRIs)
• 30% of the cost for specialty drugs
• $8,550 is the out-of-pocket maximum, the most you could pay during a policy period for your share of the costs of covered services. After you meet this limit, the plan will usually pay 100% of the allowed amount.

Please note, the benefit changes for the Holy Cross 22-23 SHIP may significantly impact your out-of-pocket cost especially for prescription drugs. Students will continue to pay a $15 copay for generic drugs, $30 copay for preferred brand name drugs, and $50 copay for non-preferred brand name drugs, but will now be required to pay 30% of the cost for specialty drugs.

Before enrolling, we encourage students to compare all other insurance options. The Massachusetts Health Connector offers information for Massachusetts residents about the online marketplace where you can compare and purchase insurance plans. You may be eligible for a Subsidized Health Plan, a low-or-no-cost insurance program for qualifying uninsured adults, through the marketplace.

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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 an enrollment form and premium quote, contact the Bursar's Office at (508) 793-2521 or bursar@holycross.edu.

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.