Domestic Students

All qualifying full-time domestic students must have UB-sponsored health insurance coverage (or comparable coverage) for the duration of their academic registration at UB. Part-time domestic students are not required to have health insurance, but may choose to enroll.

Waivers and Refunds

Waivers must be submitted annually. Once submitted, you must receive a confirmation of email approval for the premium to be removed from your account. If you miss the waiver deadline or receive a waiver denial, a full refund is not available. 

Full-Time Part-Time
Insurance Information: 2023-2024
Coverage Dates Deadline for Enrollment and Waivers Premiums

Full Year Plan


Fall semester: 9/29/23
Annual yearly single premium: $2903.00

Spring Enrollment


Spring 2024 semester: 2/23/24 New Spring student single enrollment: $1689.45

Open enrollment is available until the deadline regardless of your coverage history. You can also enroll any time throughout the year with no gap in coverage from your previous plan if you have a life-changing event; please read this page carefully for more details. 

What is the Health Insurance Requirement?

The University at Buffalo requires all full time domestic students undergraduates at 12+ credit hours and graduate/professional students at 9+ credit hours carry adequate health insurance.

This requirement is mandatory for all students that meet the credit hour threshold.

The student insurance premium fee will automatically be charged to the tuition bill and be applied to the student account each year you attend. 

If you or your family have private health insurance that meets the requirements, comparable coverage to the student plan, you can process an opt out waiver through an on-line portal

Credit Hour Reduction or Online Only

Please fill out a Special Circumstance Waiver Form and submit it to

Automatic Billing

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.

Check Your UB Email

It is your responsibility to check your UB email. If you request a waiver and it is denied, your notification will arrive via email. In addition, the University no longer generates a paper tuition statement. Your Student Account Statement is by eBill only. Failure to view your eBill details will not be accepted as a reason to waive the insurance charge after the published deadline.

Off-Cycle Enrollment

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.

Request a Waiver

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.

The Health Insurance Waiver is now closed.


* The University at Buffalo is committed to ensuring equal access to information that is presented online. As part of this commitment, university web content must be accessible to everyone, including individuals with physical, sensory, or cognitive impairments, with or without the use of assistive technology. If you encounter an accessibility issue when completing this form, please contact the health insurance office.

You will only be permitted a waiver if your policy matches or exceeds the UB-sponsored policy and is approved by Haylor, Freyer and Coon, Inc.

Forms - Domestic Students/Dependents


Mobile Access

Related UB Websites

Need Help?

For help understanding and navigating the health insurance process.

1 Capen
University at Buffalo
Buffalo, NY 14260-2100

Phone: (716) 645-3036

For questions about your plan

UnitedHealthcare Student Resources

Domestic Policy #2022-202767-1
; International Students Policy #2022-203-415-41
; OPT/J1 Policy #2022-203415-44
; Study Abroad Policy #2022-203415-43

Dependent Enrollment Forms and General Inquiries
P.O. Box 809025
Dallas, TX 75380-9025

Phone: (888) 714-6544

UnitedHealthcare Student Resources

Domestic Students Policy #2022-202767-1
; International Students Policy #2022-203-415-41
; OPT/J1 Policy #2022-203415-44
; Study Abroad Policy #2022-203415-43

UnitedHealthcare Student Resources
P.O. Box 809025
Dallas, TX 75380-9025

Phone: (888) 714-6544