Students are required to have health insurance to attend college full-time in Massachusetts. A student has to purchase a SHIP through their college only if they do not currently have health insurance coverage that is considered “comparable coverage.” For example, a student with MassHealth coverage, a ConnectorCare plan, or a student who is under age 26 who has coverage through a parent’s health insurance plan, does not need to purchase a SHIP.
Student Health Insurance Programs (SHIPs) are the health insurance plans that are offered by Massachusetts colleges and universities. These plans meet the Massachusetts and federal requirements for insurance coverage.
In general, an open enrollment period is the time of year when people who are applying for health insurance can enroll or change a plan for any reason. The next open enrollment period is November 1, 2018, and run through January 23, 2018. However, if you can qualify for help paying for coverage through programs like MassHealth or a ConnectorCare plan, or experience a qualifying life event, you may be able to enroll at any time during the year. If you do not qualify for help paying for coverage, there are certain qualifying events that allow you to enroll in coverage at other times during the year. Qualifying events include (but are not limited to): adding a dependent through birth or marriage, moving to a new permanent address in Massachusetts, or becoming a citizen, national, or lawfully present individual. For more information on qualifying events, go to our Closed Enrollment information page.
If you were covered by MassHealth before entering school, you may need to fill out a transition review form when you turn 19. MassHealth will send you those forms if you are required to do so.
Yes, as long as you are residing in Massachusetts and are planning to stay. When you apply, indicate that you are the only person seeking health insurance. You will still need to enter information about your entire tax household, including your parents’ household income if you are claimed as their dependent, and information about other family members.
No. You can’t qualify for help paying for a health insurance plan with an Advance Premium Tax Credit if you bought it outside of the Health Connector.
International students who are legally in the United States and a resident of Massachusetts can buy a plan through the Health Connector. To qualify for premium tax credits, you will also have to file taxes.
Apply online now to find out if you qualify for any of the programs that help you pay for insurance, including MassHealth, premium tax credits, and ConnectorCare plans.
In general, Open Enrollment is the only time of year when you can purchase or change insurance plans for any reason. The 2017 Open Enrollment period ended January 31, 2017. However, you may be allowed to enroll outside of Open Enrollment if you experience certain life events, such as losing your current insurance. If you qualify for MassHealth, or for a ConnectorCare plan, or want to purchase a stand alone dental plan, you may enroll at any time during the year.
Yes! Students can shop on the Health Connector for health and dental plans. Get Started Now