Eligible students must pay the premium or complete the online waiver process annually prior to Sept. 5.

Health insurance waiver process

The online waiver process is appropriate for students who already have health insurance from a parent, spouse/partner, or employer and their plan meets the University’s waiver requirements 
If the waiver is approved, the premium will be removed from the student’s account
The Student Health Insurance Plan waiver and open enrollment period will open on July 1, and remain open through September 5 

During this time, ALL students/families should determine the best health insurance option for the upcoming academic year and complete one of the following three steps.

  • Waive Coverage: Those students that plan to enroll/remain enrolled in health insurance through a parent, spouse/partner, or employer that meets waiver requirements should use the UHC website to complete the insurance waiver process.
  • Opt-In:
    1. Students must be registered in WebSTAC for a full-time course load
    2. After July 15, visit United Healthcare Student Resources and login (existing students) or create  an account (new students, use the “name@wustl.edu” format of their WashU email address)
    3. Once logged in, select the “opt in” button to ensure you can use your health insurance promptly on the policy start date (August 1).
      Students must not assume the Health Insurance Premium charge on their student accounts allows them to skip the opt-in step if they need to use insurance between August 1 and September 5.
  • Take no action: You will be defaulted into the SHIP after September 5

Important requirements

  • A new waiver MUST be completed annually for any student wishing to not be enrolled in the student health insurance plan
  • Students on an F-1 or J-1 visa are not allowed to waive out of the plan unless they are on a US based employer plan through a US based insurance company

Fall health insurance waiver

The Fall waiver link is available July 1 through September 5 for students entering the fall semester at WashU and may be used once the student has received their WUSTL Key. The waiver process MUST be completed by September 5. This will allow students to waive out of SHIP for the current academic year (both Fall and Spring Semesters).  This is a hard deadline, no exceptions will be made.

Spring health insurance waiver

The spring semester waiver link is available December 1 through February 12 for NEW students entering the Spring semester at WashU and may be used once the student has received their WUSTL Key. The waiver process MUST be completed by February 12. This is a hard deadline, no exceptions will be made.

Please note that you have two attempts to waive out of the student health insurance. If you are denied after two attempts, and are locked out of the system, please email for further assistance if your insurance meets our criteria.