Health Insurance Waiver

All full-time students (Graduate Level – 9 credit hours or more, Undergraduate Level – 12 credit hours or more) are automatically billed for and enrolled in the Student Health Insurance Plan (SHIP). This does not include students enrolled in designated Online Only Programs. If students have comparable health insurance coverage they are able to waive the SHIP by completing the online waiver by the required waiver deadline, and the SHIP charge will be removed if the waiver is approved. 

If students are enrolled in online classes that are not part of a designated Online Only Program, they are subject to the health insurance requirement as noted above. 

Any students taking fewer than 9 credit hours for Graduate Programs and 12 credit hours for Undergraduate Programs will not be automatically billed for SHIP, but are eligible to enroll on a voluntary basis, excluding students enrolled in a designated Online Only Program. Students who want to enroll in the UMB SHIP will need to complete the Gallagher Decision Form prior to the waiver deadline.  Please visit the Student Insurance page for enrollment instructions. 

Generally, students enrolled in UMB designated Online Only Programs are not eligible to participate in the UMB SHIP and are not charged the health insurance fee because of the nature of their educational work. This does not include the MSHS Physician Assistant Concentration; these students are enrolled in clinical activities and are required to have health insurance. 

For approval of a waiver, the level of benefits provided through a health insurance plan must be fully compliant with the Affordable Care Act (ACA). Coverage is considered comparable if it provides students with access to local providers and a range of services in the state of Maryland. Services include, but are not limited to, preventive and non-urgent care, emergency care, surgical care, inpatient and outpatient hospitalization, lab work, diagnostic X-rays, physical therapy and chiropractic care, prescription drugs, and mental health and substance abuse treatment.

If a plan is an HMO, it is very likely that coverage is limited, or not available, outside of the HMO’s service area. Before deciding whether or not to waive coverage, students should compare their current health insurance plan to the UMB Student Health Insurance Plan for cost-sharing levels (deductibles and coinsurance) and access to in-network providers. 

Plans that are not considered comparable include plans that only provide emergency services in Maryland, plans that are purchased on a short-term basis, plans that are international or travel insurance, out-of-state HMOs or other restricted managed care plans, and out-of-state Medicaid plans. 

The above criteria are used by Gallagher Student Health and Special Risk when reviewing and approving waiver requests.  

UMB Health Insurance Requirement

UMB professional and graduate students engage in all kinds of educational work on campus and participate in experiential education in the workplace — pharmacies, schools, hospitals, rehab units, field sites, community service centers, etc. As such, students face workplace risks but do not qualify for workers compensation insurance to cover workplace injuries or accidents on a no-fault basis. To ensure UMB students do not present an undue legal or financial risk to the University or its affiliates, students are required to have ACA-compliant health insurance. The UMB Student Health Insurance Plan provides the appropriate scope of coverage and protections through regulation by the State of Maryland Insurance Administration.

Generally, online students are not subject to the UMB health insurance requirement and are not charged the health insurance fee because of the nature of their educational work. 

How to Waive UMB’s Student Health Insurance Plan

Important Notices

  1. You must use your UMB email address as the user ID to log in and your UMB student ID as your password.
  2. You will not be able to enroll in the 2018-19 UMB Student Health Insurance Plan if you haven't registered for classes.  
  3. If you can't log in or don't have a UMB email address, please contact your school or Student Accounting at 410-706-2930.  


Go to

  1. Your user account has been created for you.
  2. Your user name is your UMB email address.
  3. Your temporary password is your Banner ID.

If your Banner ID is @00123456, enter 000123456 as the password. (You can get your Banner ID on the Welcome Page of SURFS, under the "Registration Status" link.)

  1. You will be prompted to reset your password the first time you log in. A secure link will be sent to your UMB email address to complete the process. Once the password is reset, you will not receive a prompt again.
  2. Follow the instructions to complete the form.
  3. Print or write down your reference number. Receipt of this number only confirms submission, not acceptance, of your waiver request.
  4. If you are waiving coverage, your waiver is subject to a waiver verification process. 

If you have any questions or would like to speak with a customer service representative, please contact Gallagher Student Health and Special Risk at 1-844-288-4916 or by going to our website and clicking on the Customer Service link.