If you need to change your insurance waiver decision because you waived with a plan that does not extend coverage while in Rhode Island, please send an email requesting coverage to [email protected]

Important Waiver Consideration Information

Please visit www.gallagherstudent.com/brown to complete a waiver form. For more instructions, please see How to Waive SHIP

You will be receiving an email from our Insurance Broker, Gallagher Student Health, regarding Important Student Health Information. The email you will be receiving will address as follows:

Subject:  2021-2022 Brown University (semester) Waiver
Pre header: Important Student Health Plan Information
From name: Gallagher Student Health & Special Risk
Sent: (date and time email sent to student)
From Address: [email protected]

If you waived Brown’s Student Health Insurance Plan for the academic year, and now are in need of it when you come to campus, you will be charged the full rate that is listed below for the period you enroll in. The insurer does not prorate premiums except for the addition of a newborn dependent.

The following insurance rates are set for the 3 terms listed below:

  • Annual 8/15/21 – 8/14/22  $4,204
  • Spring 1/1/22 – 8/14/22  $2602
  • Summer 6/1/22- 8/14/22 $865

Examples of plans that don’t provide comparable coverage include:

  • Out of state Medicare Plans
  • Kaiser Permanente
  • Non-US based insurance companies
  • High deductible plans
  • Plans that do not cover out of state medical treatment
  • Plans that only cover emergency treatment in Rhode Island

If you plan to waive SHIP, your current insurance must be fully compliant with the Affordable Care Act and provide access to doctors in the location where you will be living. Please note that you will need your health insurance ID card available in order to complete the waiver process.

Once your waiver form is submitted you will receive an instant reference number that will automatically pop up on your screen. Please save or copy this number for your records as it indicates that your waiver has been received.

If you have specific questions, please send an email to [email protected]

The Insurance Office is the part of Strategic Purchasing, Contracts & Insurance that is responsible for the University's self-insured and commercial insurance programs, including workers' compensation, general liability, auto, and property insurance. The staff responsible for these areas can assist faculty, students and staff in evaluating situations relating to insurance and risk assessment.

The Insurance Office is also responsible for overseeing the University's student health and dental insurance plans.