Domestic Students

When a student reaches the credit hour threshold for the health insurance requirement, the student account is automatically billed until an approved waiver is on file for the academic year.  The health insurance waiver is an annual process that must be completed to have the charge refunded. An approved waiver is received when proof of a comparable health insurance is provided through a personal health insurance policy. Once an approved waiver is on file, the charge is refunded from the student account within 24-48 hours. The e-bill does not change, any adjustments must be viewed through the student account.

If there is no approved waiver on file by the waiver deadline, students will be automatically enrolled into the student health insurance. The personal health insurance must be comparable or better than the UB policy.

If you reduce credit hours to part-time after your student account was billed and want to opt out of student health insurance, you must complete the special circumstance waiver to have the charge refunded from your student account. The HUB billing system does not automatically remove the charge when you become part-time.

If a student would like to remain on the student health insurance plan, action must be taken to be enrolled. If no action is taken, the coverage will not be activated until after the waiver deadline. Open enrollment for the Fall semester begins in June for the upcoming academic year. Open enrollment for the Spring semester begins in December.

If you experience a life-changing event, you would be eligible to enroll into the student health insurance. Common events are loss of private coverage and changes in your family (marriage, divorce, birth of child). The enrollment request must be submitted within 30 days of loss of coverage. The student account will be billed according to the enrollment start date with the pro-rated premium.

If your assistantship is through the UB Foundation, please contact our office to enroll in the UB Student Health Insurance Plan. Based on availability of funding you may be eligible to seek a reimbursement up to 88% for single health insurance coverage. Speak with your department or Human Resources department for eligibility.

Students that have assistantships through other pay lines enroll into the student employee health insurance through Human Resources , not with UnitedHealthcare StudentResources. Graduate and Teaching Assistants enroll into the NYSHIP SEHP policy and Research Assistants enroll into the UMR policy.

If you are required to have health insurance — and you have health insurance that meets or exceeds the minimum requirements — you can request a waiver for the premium refund.