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Risk Strategies - University Health Plans

The College of New Jersey

2024-2025 Academic Year

Health Insurance Requirement

Pursuant to New Jersey law, The College of New Jersey (TCNJ) is required to offer Student Health Insurance coverage to its full-time students. TCNJ meets the requirements of state law by offering a Student Health Insurance Plan (SHIP) to its full-time students. Full-time students are automatically billed for the full amount of the insurance on their term bill by the Office of Student Accounts. Full-time students have the opportunity to waive/opt out of this coverage by providing evidence of health insurance coverage to the insurance company by the waiver deadlines established by TCNJ.

Insurance Cost & Coverage Periods

The student insurance plan is insured by Aetna Student Health and provides national coverage through its national PPO network. Students do not have to select a primary care physician and referrals are not required. 

Undergraduates & Graduates Annual NEW Spring/Summer
Coverage Dates 8/1/2024-7/31/2025   1/15/2025-7/31/2025
Insurance Cost  $2,704 $1,467
Deadline 9/20/2024 2/21/2025

The waiver deadline for the 2024-2025 school year is September 20, 2024.

Waiver & Enrollment Process

Full-time students must either confirm enrollment in the SHIP or submit a waiver providing evidence of other comparable health insurance. Students who do not confirm enrollment in the SHIP or submit a waiver form by the waiver deadline will be enrolled in the SHIP and responsible for payment of the premium. Using the plan obligates you to pay the full amount and you will not be able to waive enrollment in SHIP.

Please note that being automatically billed is not the same as confirming enrollment in the SHIP; you still need to take action by confirming your enrollment to utilize the plan coverage before the waiver and enrollment deadline date. Failure to take the necessary steps to confirm enrollment does not eliminate responsibility for payment.

It is important that you read the SHIP Benefit Information linked in the left-hand side navigation menu located on this webpage. You need to understand the co-payment, co-insurance, deductible levels, and other plan requirements. This is YOUR health insurance plan and any costs associated with it are your responsibility and not the College’s.

Important note about the waiver and enrollment process: The SHIP waiver/enrollment process is separate from TCNJ pre-entrance health requirements. The process you may have completed earlier this summer relating to the submission of information via OWL and paperwork to Student Health Services does not suffice for waiving student health insurance. You will need to complete the online waiver form located in the left-hand side navigation menu on this webpage to waive the SHIP. 

Qualifying Event Enrollment

Students who waive coverage can only request to enroll in SHIP after the waiver and enrollment deadline date if there has been a life status change in which they involuntarily lose coverage under their original plan (examples: marriage, divorce, loss of job, etc.). There are time limits on eligibility and additional actions that you will be required to take. Please contact Student Accounts immediately if you have a life status change and require health insurance coverage.

Contact Information

Questions about the waiver and enrollment process can be directed to University Health Plans at 833-251-1131 or by email at Questions about SHIP coverage for specific services can be directed to Aetna Student Health at 800-481-8814. Questions about using SHIP in TCNJ Student Health Services can be directed to Student Health Services at 609-771-2889 or by email at