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Student Health Insurance

Produced by Massachusetts Law Reform Institute
Reviewed September 2023

Massachusetts college students must have health insurance, but you have options.

School-based insurance

  • Your school will offer you health insurance, but other options may provide better coverage for less money.
  • If you have other health coverage, you must ask for a waiver to avoid paying for your school's insurance.
  • There are deadlines to waive your school's insurance! Check with your school for details.

Your other coverage options

  • Your parent's insurance:
    • If it covers dependents, and
    • You are under 26 (there is no age limit if you're disabled and it is MA insurance).
  • MassHealth: Low to no-cost health coverage.
  • Health Connector: Help paying for private insurance through the MA Health Connector.
  • Job-based insurance: If you have a full or part-time job.

Need help paying for health coverage?

Apply for MassHealth or insurance from the Health Connector online: mahix.org/individual

Get help applying: my.mahealthconnector.org/enrollment-assisters

More information about MassHealth: mass.gov/topics/masshealth

More information from the Health Connector for students: mahealthconnector.org/learn/tools-resources/individuals-families/student-health-insurance


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