Student Health Insurance

You do not need to wait for the term bill to access the waiver form. If you have comprehensive health insurance, you may complete the waiver form each semester before the deadline.

• Visit www.universityhealthplans.com to waive, view deadlines dates/insurance rates.
• Follow the “after completion of the waiver form” guidelines about the removal of the health insurance premium on the term bill.
• If you failed to waive before the deadline and did not complete an enrollment form, you will be automatically enrolled and you will be responsible for paying the premium on the term bill even though you have health insurance.
• For waiver inquiries after the deadline, you must visit www.universityhealthplans.com for specific guidelines

Paying the premium on the term bill is not enrolling. You should complete the enrollment form each semester before the deadline to finalize the process. You do not need to wait for the term bill to access the enrollment form.

• Visit www.universityhealthplans.com to enroll, view deadlines dates/insurance rates, benefits and how to get your insurance card.
• Follow the “after completion of the enrollment form” guidelines, which includes the timeline on how to get your insurance card.

• If you failed to enroll before the deadline and did not complete a waiver form, your enrollment in the Student Health Insurance Plan (SHIP) will be processed. The enrollment after the deadline will take a few weeks, which could delay access to your health insurance card. Be proactive and enroll before the deadline; avoid having to pay out of pocket expenses for medical care and prescriptions and then seeking reimbursement.

Waiver appeals are no longer accepted for academic year 2023-2024. Deadline for appeals has passed. 

Waiver Deadline:

Fall 2024: September 25, 2024 

Spring 2025: February 10, 2025

Failure to waive by the deadline will result in an automatic enrollment in the Student Health Insurance Plan (SHIP) and you will be responsible for the premium on your term bill EVEN IF YOU HAVE OTHER HEALTH INSURANCE COVERAGE.

You may complete the online SHIP waiver or enrollment form at University Health Plans.

Summer and Third Term

(Coverage period: May 26, 20XX to August 14, 20XX) 

New domestic students and students (F or J) not on Rutgers Sponsorship Visa who register for the summer term may enroll in the Student Health Insurance Plan on a voluntary basis. The deadline to enroll is June 30, 2025. 

Students who were registered for the spring term and enroll for the summer term do not need to do anything; the insurance-related action that you took during the spring semester is applicable through August 14, 20XX. 

Review your applicable student type for health insurance eligibility information.

SHIP Rates (2024-2025)

Full-Time Students and International (F1, F2, J1, J2) Visa-Sponsored Students*

Part-Time Students (Not Including F1, F2, J1, J2 Rutgers Visa-Sponsored Students)* 

Students can enroll in SHIP and have the option to enroll their spouse/children at University Health Plans. 

*Online-only degree programs do not fulfill the eligibility requirements.

**No additional charge for more than two children 

Deadline to waive or enroll in the Student Health Insurance Plan (SHIP):

• Fall 2024 - 9/25/24;
• Spring 2025 - 02/10/25;
• Summer 2025 - 06/30/25

Waiving the Student Health Insurance Plan With NJFC 

If you have New Jersey Family Care (NJFC), you can waive the Student Health Insurance Plan (SHIP) each semester. To waive SHIP, visit University Health Plans before the waiver deadline to complete the waiver form. Be sure to have your NJFC health insurance card handy. 

New or Recent NJFC Applicants 

If you have applied recently or intend to soon apply for NJFC, please be aware of the SHIP waiver deadlines.  

Rutgers, The State University of New Jersey, was informed by NJFC that the NJFC approval process takes at least 60 to 90 days after application submission. The NJFC application procedures and timeline are available here. 

Please note that if your NJFC application is not approved by the SHIP deadline and you do not have other coverage, you will be automatically enrolled after the deadline and will be responsible for the nonrefundable premium. 

Deadline for open enrollment for SHIP ends on: 

• September 25, 2024 – Fall 2024 semester 

• February 10, 2025 – Spring 2025 semester 

We cannot extend the waiver deadline date for SHIP. 

What to Expect During the NJFC Application Process 

During the application review, NJFC might contact you for additional information. If contacted, respond as soon as possible so as not to delay your application.  

Typically, NJFC will then send you a final letter stating your eligibility and effective date of coverage. The health insurance information will follow. The effective date of coverage must show September 1, xxxx to be eligible to waive SHIP for the Fall semester, and February 1, xxxx to be eligible to waive SHIP for the Spring semester.   

Please allow four business days from the receipt of your online SHIP waiver form confirmation email for the SHIP premium to be removed from your term bill. 

You must waive or enroll each semester before the deadline at www.universityhealthplans.com. 

University Health Plans, Inc. also offers a plan for dental and/or vision that can be purchased regardless of whether you are enrolled in the Student Health Insurance Plan.  

Dental Plan 

Vision Plan 

The Office of Student Health Insurance is a separate department from the health centers on campus. For on-campus medical care, you may contact the relevant health and wellness centers:

Rutgers University–New Brunswick
848-932-7402
website

Rutgers University–Newark
973-353-5231
website

Rutgers University–Camden
856-225-6005
website

Please contact us if questions arise as you complete the student health insurance form applicable to you. 

• Ph.D. Dissertation Research - Part-Time Considered FT by Department 

• Jump Start Program

• Less Than FT Final Semester

For questions regarding student health insurance, please contact Lindsey Ludwinski, Assistant Director, or Evelyn Nath, Program Coordinator, preferably by email at insure@rutgers.edu using your Rutgers email address, or by phone at 848-932-8285. When reaching out for assistance, include your RUID#/School ID#, brief message and any relevant supporting documentation. NOTE: During open waiver/enrollment periods, please allow at least three business days for a response.