Student Health Insurance Plan

Rutgers University policy requires comprehensive health insurance coverage for all college students who are registered full time and enrolled in a degree-seeking program.

Please note:  Students enrolled in our fully online program are exempt from this requirement.

Students may:

  • use an existing health insurance plan, or
  • enroll in a university-sponsored student health insurance plan.

Rutgers has contracted with University Health Plans to manage the Student Health Insurance Plan. On the University Health Plans website you can:

  • provide enrollment information, or
  • complete the process for waiving coverage.

The deadline to waive for Fall 2014 is September 15, 2014.  If you did not waive by this date, even if you have other coverage you will be responsible to pay for the student health insurance premium for the Fall 2014 semester.

Waiver and enrollment is done on a per semester basis.


Which Option Fits You Best?

Full-time students who do not have health insurance must select a student health insurance plan offered through a national provider with whom Rutgers has contracted to provide low-cost health insurance. The cost of the selected plan will be added to your term bill.

Full-time students already covered by a health insurance plan do not need to purchase additional insurance through Rutgers. You must verify coverage by providing information found on your health insurance card. Private, employer-based, governmental, Medicaid, and Medicare health insurance policies are all accepted as proof of insurance.

  • Go to to waive the student health insurance coverage.
  • You will receive a confirmation number, immediately on the screen, after you have successfully completed the online waiver form.  You will also receive the same confirmation number to your Rutgers email address.
  • Please allow 3 business days after you successfully complete the online waiver form to see the Student Health Insurance Premium removed from your bill.

Part-time students are not required to have health insurance.  You do have the option to enroll in the university-sponsored plan at a higher cost.

Students who already have insurance but want to take advantage of the coverage limits and the low cost of the Rutgers plan have an opportunity to enroll voluntarily as part of the insurance verification process.

International Students on F-1, F-2, J-1, or J-2 visa sponsorship are automatically enrolled in the health insurance plan, and the cost of the plan is added to your term bill. If you are covered by another qualifying plan, you can request a waiver through the Center for International Faculty and Student Services.

Graduated Seniors who have not obtained health insurance may obtain an extension on their current Student Health Insurance coverage.

  • You must have been enrolled in the Student Health Insurance Plan during your last semester.
  • Your Student Health Insurance Plan cannot have expired more than 30 days.
  • Call University Healthcare to discuss your options, 1-800-505-4160.


For More Information

Rutgers Health Services
Risk Management - Student Health Insurance