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Health Insurance

Students enrolled full-time* will automatically be enrolled in the student health insurance plan, provided by Wellfleet. The insurance premium will be charged on the student's fall and spring bill. International students are required to maintain the student health insurance plan and are automatically billed when enrolled in 1+ hours. Domestic students have the option to waive the annual premium by demonstrating comparable health insurance coverage compliant with the Affordable Care Act (ACA). The waiver must be submitted online by the posted deadline, no exceptions.

*Full-time students (Undergraduate 12+ hours, Graduate in extended terms 6+ hours, Professional Programs, and Doctoral 6+ hours) are defined as main campus students enrolled in the traditional 16-week semester.

Students who fail to submit an insurance waiver by the posted deadline, will be responsible for the full premium.

Summary of Benefits Flyer

Complete Health Insurance Waiver

Insurance Waiver Deadlines

  • Students enrolled in the Fall semester- September 2, 2022
    • Waiver covers August 1 to July 31 of the following year
  • First-time students enrolled in the Spring semester- January 27, 2023
    • Waiver covers January 1 to July 31

How to Waive Coverage

  1. Visit the Health Insurance Waiver webpage
  2. Select the Waive section
  3. Select the section that says Create a New Account
    • Students must enter their Student ID without the W0
    • If the waiver page does not allow you to create an account, please contact our office
  4. Once you have created an account, you will select the section that says Waive in blue text to complete the waiver application
  5. Your waiver will either be Approved or in a Pending status

Once the waiver is completed it will either be approved or in a pending status. Waivers in a pending status will receive notification of approval within a week. If your waiver has been denied, it is the student's responsibility to review the denial reason for further instruction. Please allow 5-7 business days from notification of approval for the waiver to be applied to the student bill.

For additional assistance please contact our office or view our How to Waive Insurance Guide.

How to Enroll

Eligible students are automatically enrolled in the student health insurance in early August and early January for new students entering the spring term. If you submit a waiver before the deadline and it is approved you will be removed from the student health insurance. Please visit the UIW Wellfleet webpage for additional information and to access your account.

To enroll in coverage after the deadline due to a Qualifying Life Event (QLE)*, please visit Wellfleet's QLE Guide for further instruction.

*QLE includes but is not limited to: loss of previous health insurance, loss of spouse, or birth of a child.

Frequently Asked Questions

Why am I being charged for health insurance? Open
Who is not eligible? Open
What happens if I forget to waive the insurance? Open
Can I waive the insurance for the Spring term if I forgot to waive in the Fall? Open
Am I still eligible for the health insurance if I'm no longer full-time during the spring term? Open
How do I access my insurance card through Wellfleet? Open
Will I be covered after December graduation? Open