Student Health Insurance

The Commonwealth of Massachusetts mandates that all matriculated students enrolled in 9 or more credits, or 4.5 or more graduate credits must be covered by a health insurance plan comparable to the policy offered by Fitchburg State University or purchase the Fitchburg State University health insurance plan.

All eligible students at Fitchburg State University will be billed for the health insurance plan provided by the university. If you have adequate insurance, you must waive the insurance each year. Students must maintain enrollment requirements to remain eligible for the student health coverage offered by Fitchburg State.

To waive the student health insurance plan, with your proof of other coverage, please go to the University Health Plans website.

A waiver form must be completed online each academic year. Students will waive each fall semester. If you are starting in the spring semester, please waive it before the bill due date of December 19. Moving forward, you will need to waive it each July/August.

The online waiver will be available after July 1. We require students to complete the waiver before the fall bill due date which is August 10 , otherwise the charge will show as past due on your account. In order to comply with state law, if a waiver is not completed by October 1 you will be force enrolled in the plan and you will be responsible for the insurance charge.

The Health Insurance Policy is administered by University Health Plans, Inc. (1.833.251.1724). Students should call this number if they have not received their BC/BS card and need their ID number. 

2022/2023 Rates

  • Full year (8/1-7/31): $3,663
  • Fall Only (December graduates only, 8/1-12/31): $1,535
  • Spring Only (1/1-7/31): $2,143

International students with an F-1 VISA Status
International Students are required to enroll in the student health insurance plan that the university offers. However, if an international student has comparable coverage they may request a waiver by sending a copy of their health insurance policy to