Important SHIP Changes
In response to student concerns related to the cost of student health insurance, access to affordable education, and changes to federal policy, the University of Maine System (UMS) eliminated its health insurance verification requirement effective August 1, 2021. UMS will no longer require that students provide proof of health insurance coverage and will no longer offer an insurance policy that automatically enrolls students in an insurance plan.
Please note: some University programs, such as allied health, aviation, and intercollegiate athletics, require health insurance for program participation. These changes do not apply to Graduate Assistants and International students.
Navigating Your Insurance Options
This page highlights different options that will allow you to purchase health insurance that meets your individual needs. It can take time to figure out the best choice for your future healthcare coverage. If you are interested in any of these options, we recommend that you immediately begin the process of shopping for and securing healthcare coverage.
Here are a few options:
Option 1 – Health Insurance Offered through a Workplace, Parent, or Family Member’s Policy
You may already be eligible for health insurance coverage through a policy offered through your workplace or a policy provided to a parent, guardian, or family member. To understand your eligibility and the cost of coverage, you will need to work directly with your employer or covered family member’s insurer.
Option 2 – Healthcare.Gov Marketplace
The United States federal government offers a health insurance Marketplace where individuals may shop for a health insurance policy. The general open enrollment period for the marketplace is from November 1 to December 15. Open enrollment is the period during which you can join a plan.
To help you through these choices, UMS has formed a new partnership with health insurance navigators who specialize in helping individuals and families consider their available options in the marketplace, including eligibility for subsidized coverage. Navigators can also assist with other forms of financial, food, or housing assistance that contribute to stability and student success. You may work with a navigator to review your options free of charge at any time.
Free consultations with navigators can be scheduled by visiting the Maine State Library’s About Health Insurance webpage.
The Healthcare Hotline is available to answer health insurance questions by calling 207-581-2681. This line is available Monday through Friday from 9 AM to 4 PM, excluding holidays.
Option 3 – Voluntary Student Health Insurance Policy (SHIP)
UMS offers a voluntary student health insurance policy with Anthem Blue Cross & Blue Shield for the academic year. If you choose this option, you must sign-up and pay for the policy directly through A.J. Gallagher, our insurance broker. Installment payment plans are available. Credit card payments will include a 3% surcharge. Enrollment and credit hour conditions may apply.
Additional information about this option is available from Gallagher and by visiting Gallagher’s page for University of Maine System students.