Saint Joseph’s University
STUDENT HEALTH INSURANCE PLAN
2025-2026 Academic Year
Health Insurance Requirement
The following degree-seeking students from Hawk Hill and University City must maintain active health insurance while attending Saint Joseph’s University. *Lancaster students are not eligible for the school sponsored health insurance at this time.
Students registered for at least six credits, with at least 50% of credits in person
Students registered for one or more credit hours, with at least 50% of credits in person
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International students
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PhD & EdD students
Students registered for the following credits with no minimum in person credit requirement
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Domestic student-athletes registered for at least six credits
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International student-athletes registered for one or more credit hours
Students who do not submit an approved waiver by the deadline will be automatically enrolled and charged for the Student Health Insurance Plan (SHIP). Students intending to purchase the plan should submit the enrollment form to access their insurance benefits.
See the Waiver & Enrollment section below for more information about confirming enrollment or opting out of the plan.
Cost and Coverage Periods
| Annual Students | Newly Eligible Spring Students | |
| Coverage Period | 08/17/2025 - 08/16/2026 | 01/01/2026 - 08/16/2026 |
| Cost | $2,850 | $1,779 |
| Deadline | September 4, 2025 | TBD |
SHIP Highlights
The SHIP is an ACA-compliant plan insured by United Healthcare Student Resources (UHCSR) and includes access to United's national PPO network. Additional plan information is located on the left side of this page.
Enrollment Process
Students who do not submit an approved waiver by the deadline will be automatically enrolled and charged for the Student Health Insurance Plan (SHIP). Students should submit an enrollment form as soon as possible to avoid difficulties accessing their health insurance benefits. Approximately four business days after the enrollment form is submitted, the student can access the insurance ID card via the link on the left side of this page. If an enrollment or waiver form is not submitted by the deadline, students are enrolled in the SHIP retroactively to the policy effective date and are responsible for the insurance premium.
Waiver Process
Students with comparable health insurance may submit a waiver form by the deadline to opt-out. To be considered comparable, your plan must:
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Be filed and approved in the US and compliant with the Affordable Care Act (ACA)
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Provide comprehensive, non-emergency benefits in the geographical area surrounding the school
Waiver forms may be reviewed, and if the plan does not meet the requirements, students will be notified that their waiver form is not accepted. Please click the waiver form on the left for additional information about the waiver requirements and comparable plans.
Eligibility
Students will be retroactively terminated and refunded (pending a claim review) if they do not attend classes or fall below the minimum credit limit or on-campus credit requirement within the initial 31 days of classes.
Early Termination
Once the student meets eligibility for the first 31 days, the student remains enrolled for the entire policy period. Mid-year terminations are not permitted. However, if a student enrolled in annual coverage does not return to SJU for the spring semester, the student may request termination of the spring/summer coverage period by submitting the spring termination form on the left by January 24, 2026.
Qualifying Life Events
Students who waived the SHIP may not voluntarily enroll during the policy year. However, students may qualify for special enrollment rights if they have a qualifying life event, such as losing other coverage. The qualifying life event enrollment form on the left requires supporting documentation and payment and must be submitted within 31 days of losing other coverage.
