Student Health Insurance

Pursuant to New Jersey law, Montclair State University is required to offer student health insurance coverage to its full-time undergraduate and graduate students as defined by the University (12 or more credits for undergraduate, 9 or more credits for graduate). The current plan being offered for Academic Year 2015-2016 is through United Healthcare.

With the passage of the Federal Patient and Affordability Care Act (PPACA), the Federal Government now requires that all citizens be covered by a PPACA compliant plan or they will be subject to tax liabilities beginning January 2014. Effective fall 2013, Montclair State University will continue to offer all full-time students health insurance through United Health Care.

Unfortunately, part time students no longer have an opportunity to purchase insurance through United Health Care. However, part time students who wish to purchase an individual insurance policy can find information on the following link:

Cost Information 2015 - 2016


Coverage Period

Annual Rate

For Students who are beginning Fall 2015

8/15/15 - 8/14/16

Annual Rate

 For Students who are beginning Spring 2016

1/04/16 - 8/14/16

Full-time Undergraduate Student (12-18 Credits)



Full-time Graduate student (9+ Credits)



Details regarding the United Health care plan can be found at:

Enrollment/Waiver Information

Full time students are automatically billed for the full amount of the insurance on their term bill by the Office of Student Accounts. If you already have health insurance coverage through your parents, spouse or employer, you may opt to waive the Health Insurance Fee by completing a Health Insurance Waiver form online at  You must waive or enroll in the school-sponsored insurance plan each academic year.  

If after completing the waiver, your information changes you will need to resubmit the updates via fax (973) 655-4421 or email  You will not be able to complete another waiver. If you do not receive a confirmation email, your waiver was not successfully submitted.  It is important that you review your bill on WESS periodically to ensure your account is credited after completing a waiver. The Office of Student Accounts will send reminder emails to students that have not completed a waiver, this will be the only form of notification you will receive. It is very important that you review your MSU email and take action by the posted deadline.

If you need your insurance PRIOR to the automatic enrollment, please go to ttp:// and follow the Enrollment Instructions. You will be able to print a ID card within 24 hours.  If you need insurance but do not need to enroll before the start of the semester, you will automatically be enrolled. United Health Care will email you your login information to print out your insurance cards. UHC will no longer mail insurance card.  

Enrollment/Waiver Deadline


Important Notes 

  • All enrollment or waiver selection must be completed by the deadlines listed below at
  • Copies submitted to the Health Center or any office does not constitute a waiver and is not acceptable.  All waivers must be completed online via

  • Students who do not respond by the deadline will be automatically enrolled in the plan and will be responsible for the annual premium.
  • Students that waive their insurance in the fall cannot enroll in the spring semester.
  • Following United Health Care requirements, the University reserves the right to make the final determination regarding eligibility for the initial and continued enrollment in this insurance plan.
  • A valid insurance card must be available when waiving the insurance. Pending insurance coverage or a letter from your employer or third company is not acceptable.
  • The University reserves the right to audit all waivers in order to ensure compliance with the University insurance requirements. Please be sure to have a copy of your insurance policy as you may be asked to provide this documentation.