Massachusetts Health Insurance Requirements

State law requires that full-time college students carry health insurance and annually provide proof of such insurance to the College. It is important to consider whether your current insurance plan will provide adequate coverage for a student while in college, or if purchasing the Student Health Insurance Plan (SHIP) is a better choice. Some students find that their insurance is inadequate due to restrictive provider networks, high deductibles, or limited coverage outside of a health plan service area. Some HMOs that require referrals may prevent students from receiving specialty care.

We suggest consulting your current insurance carrier as you consider the following:

  • Does my current plan cover full-time students attending college away from home or out of state?
  • Does my current plan provide adequate coverage for emergency services, diagnostic x-rays, laboratory services, mental health coverage, prescription drugs, and inpatient or outpatient hospitalization?
  • Does my current plan have participating in-network health care providers in the Easton, MA area?
  • Does my current plan have a high deductible that must be met before full coverage begins?

In addition, please be aware of the following points:

  • Massachusetts law requires that all college students enroll in a health insurance program that meets required benefits established by the state.
  • International students are required to purchase the Stonehill College Student Health Insurance Plan.
  • Medicaid coverage from a state other than Massachusetts does not meet Massachusetts requirements.
  • Per Massachusetts regulations, the following are not acceptable plans to waive the SHIP:
    • Mass Health Limited Plan X
    • Health Safety Net X
    • Children’s Medical Security Plan X

Summary of Benefits

Please visit the Gallagher Student Health site,, for benefits information.

How to Enroll in SHIP

Please see this document for enrollment instructions.

How to Waive SHIP

Please note that Stonehill College bills all students for the SHIP unless the online waiver process is completed. Please see this document for waiver instructions.

Before completing the waiver process, we encourage you to review the following document: Should I waive SHIP Health Insurance?

More Information

For more information, please see our FAQ document on Student Health Insurance for Stonehill Undergraduates or visit the Student Accounts website.

Tuition Protection Plan

As a supplement to our refund policy, Stonehill has partnered with Grad Guard to offer an optional tuition protection plan for those who withdraw for covered medical reasons. The deadline to enroll in this plan is the the day before classes start for the semester. Further details regarding this plan are available by clicking here.

Contact Information

Visit Student Accounts for information on student billing, tuition and fees, payment plans, and tax benefits of education.