This webpage outlines student options for accessing health insurance coverage and information about free wellbeing resources for those students who are not already covered under another plan.

Please note: Some University programs, such as allied health, aviation and intercollegiate athletics require health insurance for program participation.

Understanding the Health Insurance Requirements

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) does not require health insurance verification for all undergraduate and graduate assistance not employed by the University of Maine System.  

Important Note: International students and graduate students employed by the University must provide proof of coverage or enroll in the University of Maine System student health insurance plan.

How to Navigate Student Insurance Options

This webpage highlights different options that will allow students to purchase health insurance that meets each student’s individual needs.

It can take time to figure out the best choice for your future health care 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.

Some options include:

Option 1 –  Health Insurance Offered through a Workplace, Parent or Family Member’s Policy

Students may already be eligible for health insurance coverage through a policy offered through their 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 – The Government Healthcare Marketplace (External Site)

The United States federal government offers a health insurance Marketplace where individuals may shop for a health insurance policy.

To help guide students through these choices, students may work with a health insurance navigator 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 Government Healthcare Navigator webpage (External Site).

Option 3 – Voluntary Student Health Insurance Policy (SHIP)

The University of Maine System is offering a voluntary student health insurance policy with UnitedHealthcare. Students should visit the Gallagher website (External Site) to sign up for the plan. If you choose this option, you must sign-up and pay for the policy directly through A.J. Gallagher, the 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 by visiting the Gallagher website (External Site).

Affordable health insurance provides the financial stability and peace of mind students need to be successful in college. The University of Maine System strongly encourages students to acquire health insurance coverage that meets their individual needs. There are cost-effective options available for many students, including expanded eligibility for income-based premium subsidies.

For questions related to student health insurance, students may contact:




UMaine or call 207.581.1521

UMaine Machias



Maine Law

Frequently Asked Questions

Student health insurance – Visit the Gallagher website (External Site) for Student Health Insurance enrollment deadlines and effective dates.

Marketplace – The standard open enrollment period for the Marketplace is November 1 through December 15 every year. During the standard open enrollment period, policies are effective January 1 of the following year.  If you have a qualifying event, other enrollment and effective dates may apply.  Reach out to the Maine Government Healthcare Navigator webpage (External Site) for additional information and answers.

This answer depends on each person’s own circumstances. Cash refunds received from financial aid may be used for health insurance.

If the refund is applied to your student account, it will be used toward outstanding debts on your account. Therefore, you will not be able to apply the refund to health insurance costs.

No, health insurance is not considered in the cost of attendance.

  • Families
  • Low-income individuals
  • Small businesses

Yes – the Healthcare Navigators can help connect you with other services/resources that you may be eligible for. These services include and are not limited to:

  • Food stamps
  • Heating assistance
  • Energy assistance