Students with alternate health insurance may be eligible to waive the Student Health Insurance Plan, and in very limited cases, waive the Student Health Fee. Incomplete information will result in administrative processing delays.
Please note: Before accessing the Student Health Insurance Plan waiver application, you will need your Harvard ID, PIN, your insurance ID card, and if applicable, the amount of your insurance deductible.
After Submitting Your Waiver Application(s)
You will receive a confirmation email. Keep a copy of this email for your records. Member Services will not review any disputed fees without a copy of this email.
Waiving the Student Health Insurance Plan
To file a waiver application, you must present evidence of comparable coverage as defined by the Massachusetts Qualifying Student Health Insurance Program. It is your responsibility to determine whether your coverage is comparable.
Per Massachusetts regulations, at a minimum, coverage must be:
- A Health Benefit Plan that provides reasonably comprehensive health coverage to the student throughout the school year, including preventive and primary care, emergency services, surgical services, hospitalization benefits, ambulatory patient services, mental health services, and prescription drugs; and
- The services covered under the Health Plan Benefit are reasonably accessible to the student in the area where the student attends school.
Per Massachusetts regulations, coverage cannot be:
- Through the Health Safety Net, MassHealth Limited, or the Children's Medical Security Program
- From an insurance carrier outside the U.S. or coverage by foreign National Health Service programs, unless you are studying outside of the United States and the insurance provides coverage in that location
- From a health benefit plan that provides coverage through a closed network of providers, not reasonably accessible in the state of Massachusetts, for all but emergency services
If you elect to waive the Student Health Insurance Plan, you can only reenroll during open enrollment periods or with a valid qualifying life event (e.g., loss of other health insurance coverage).
Coverage Away from Home
Not all plans will offer coverage for services reasonably accessible to you in Massachusetts. Although your other insurance may meet the definition of comparable coverage, we recommend you review the Waiver Checklist. The checklist is a guideline designed to help you further evaluate your plan and assess whether your insurance would work for you while away from home.
Waiving the Student Health Fee
A limited number of students who meet certain criteria are eligible to waive the Student Health Fee. Having other health insurance coverage does not qualify as a reason to waive the Student Health Fee, even if it allows you to waive the Student Health Insurance Plan.
To file a waiver application, the student must be one of the following:
- Traveling scholar/study abroad student studying outside the country
- Enrolled half time or less (must also waive the Student Health Insurance Plan)
- A non-resident student who resides outside of Massachusetts, and has no activities on campus for the entire term (students who live out of state but attend class on campus do not qualify to waive)
- Enrolled in Harvard University Group Health Plan (HUGHP)
- On active military duty and prohibited from receiving health care from any facility other than Hanscom Air Force Base (requires an attestation form be completed)
Don't have insurance information yet?
If you do not have the pieces of information you need to complete your waiver by the deadline, follow these steps to submit an application to waive the Student Health Insurance Plan by the fall and/or spring deadline(s). Since all registered students are required to have health insurance, your student bill will be charged for one month of the Student Health Insurance Plan. You may be able to waive coverage for the rest of the term or academic year. All waiver eligibility rules apply.
Step 1: Submit a pending waiver
- Log into the waiver portal to access the waiver application
- Type "pending enrollment" in all the unknown fields. For example, in the ID number field type " pending enrollment"
- Type zeros in any field that requires numbers
- Select "other" or any option in the drop down menus
- Pending waiver applications must be submitted by waiver deadline for the term you wish to waive
- Late penalty fees will be applied if your pending waiver application is submitted after the fall/spring deadline
Step 2: Finalize the waiver process
Your waiver is incomplete and will remain on hold until you:
1. Provide proof of enrollment
We require confirmation of your enrollment or coverage. Documentation should include your name, insurance plan name, the plan effective date, and is due to Member Services (email@example.com) by February 16, 2015.
2. Update your pending waiver
After your enrollment is complete and you have your insurance policy number, email Member Services (firstname.lastname@example.org) by February 16, 2015 with:
- Insurance Name
- Policy/Member ID
- Group Number
- Subscriber Name
- Relation to Subscriber
- Coverage Start Date