Health Insurance | Student Affairs
Student Eligibility and Enrollment Information
required-med-insuranceRequired Medical Insurance
Massachusetts State Law requires that all college students be enrolled in a health insurance program that meets the required benefits established by the state.
All matriculating, undergraduate students, enrolled in one or more credit hours; and all matriculating, graduate students enrolled in nine or more credit hours are eligible and will be charged for health insurance.
Please note that all students who withdraw from or drop all of their classes within the first 31 calendar days of the academic semester will not be allowed to be enrolled in the university student health insurance plan.
online-studentsOnline Students
Online courses are not considered eligible for credits. Students enrolled exclusively in online classes only are not eligible for this plan.
international-studentsInternational Students
The University of Massachusetts Lowell requires that all international students must enroll in the university student health insurance plan. The university does not consider foreign insurance or travel insurance as comparable coverage to waive the university health insurance.
If you are covered by an embassy-sponsored health insurance plan and provide a Student Financial Services Office with your financial guarantee prior to the waiver deadline, you will not be enrolled in the Student Health Insurance Plan.
If you are covered by a health insurance plan that is filed and approved in the United States, please contact University Health Plans at 800-437-6448. The United States health insurance plan must provide Minimum Essential Coverage as defined by the Affordable Care Act and include the following benefits in the campus area.
- Unlimited policy maximum
- Pre-existing condition coverage
- Non-emergency medical services
- Mental/behavioral health care
- Pregnancy and maternity coverage
- Prescription drug coverage
- Preventative and wellness services and chronic disease management
- Repatriation and medical evacuation
Please note, health insurance plans marketed solely to international students are generally