Student walking along the pathway next to the Student Center Quad in the snow.

Health Insurance

Federal Law

The federal government passed the Affordable Care Act (ACA) in 2010 to increase the availability of health insurance coverage to more individuals. There are a multitude of medical coverage requirements and levels of coverage and it is important for you to know that the Montclair State University sponsored student plan is fully ACA compliant. Here’s additional information about the ACA to assist you in making coverage decisions:

  1. Students are eligible to remain on a parent’s plan until age 26. However, you should compare the cost and benefits of coverage under a parent’s plan to the available university health insurance plan.
  2. Employer plans held by you or your parents may be geographically restrictive and may not be appropriate for a student attending school out of state. Your personal coverage may not provide coverage when you are not in your local area. You should review your coverage
  3. The ACA created health insurance marketplaces for individuals to obtain coverage. However, you should carefully review the terms of the coverage to compare with any other alternatives including deductibles, copays, co-insurance and limited provider networks.
  4. If you are interested in exploring the options available to you through the Affordable Care Act, visit the Healthcare.gov website. You will be directed to the appropriate online marketplace for your home state of residence.
  5. Generally, international students holding an F-1 or J-1 visa are not eligible to purchase insurance through the marketplaces because they must show permanent U.S. residency.

New Jersey Law

New Jersey Senate Bill 2291 requires that all institutions of higher education in New Jersey offer health insurance coverage for purchase by students who are enrolled full-time.  Montclair State University complies with state requirements and offers student health insurance coverage to its full-time students.

Health Insurance Requirement

The current plan offered for Academic Year 2017-2018 is provided through United Healthcare. Full-time students are automatically billed for the full amount of the insurance on their term bill by the Office of Student Accounts. Full-time students have the opportunity to waive/opt out of this coverage by providing evidence of health insurance coverage to the insurance company by the waiver deadlines established by the College. The deadlines are firm and cannot be adjusted.

Student health is an important part of academic success.  Unexpected illness can result in course failure, or withdrawal which may result in a delay in completion of degree requirements, loss of tuition, and possibly jeopardize your financial aid package if you drop below a required credit load.  Therefore, at Montclair State University, all full-time students must have health insurance.

To assist students who need health insurance, Montclair State University offers full-time students the option to purchase student health insurance coverage. The university’s current student health insurance plan is underwritten by United Health Care. This type of policy is a “hard waiver” policy which has a substantially lower premium cost than a “voluntary” enrollment policy having the same benefits. This is very helpful to students who need to purchase insurance coverage and allows the financial aid package to help defray the cost. The “hard waiver” policy requires full-time students to submit evidence of insurance (through the student insurance portal) in order to be able to waive/opt out of the coverage. On behalf of your classmates who need the insurance, we thank you for your understanding that this slight inconvenience allows them to purchase affordable health insurance coverage.

We have made the process of waiving the insurance as easy and convenient as possible by having students complete the waiver forms at First Student. Please complete the waiver using this portal; the University Health Center cannot accept any verification of insurance documentation.