Health Insurance Requirement


Questions can be directed to Gallagher Student Health at 800.391.9750 or to

For the 2022–23 academic year, all undergraduate and graduate students who attend classes on campus, regardless of credit load, must be covered under a health insurance plan and provide the University with evidence of coverage that is fully compliant with the Patient Protection Affordable Care Act (PPACA) through a United States-based insurance company and claims administrator.

Students who do not have a compliant ACA plan, or who do not waive the University Student Insurance Plan available, will be automatically enrolled in and billed for the Student Health Insurance Plan offered at the University of Hartford.  

Information About UHart’s Student Health Insurance Plan

The 2022–23 plan policy is effective as of August 1, 2022, at 12:01 a.m. and ends on July 31, 2023, at 12:01 a.m. The Plan offers a health insurance policy through Wellfleet Insurance Company with the Cigna National PPO Network. Gallagher Student Health provides account management to the University for this policy coverage. The plan protects a student at school, at home, and while traveling or studying abroad. Plan benefit information, including co-payments, deductible amounts, and additional information are available on the Gallagher Student Health website. Here, you can also review standard questions under the FAQ section to ensure that your current policy meets the same PPACA guidelines.

Completing a Waiver to Opt out of UHart’s Student Health Insurance Plan

If you already have insurance that meets the basic standards as outlined on My Benefits and Plan Information, then you must complete a waiver. A waiver only needs to be completed one time during an academic year. Using Gallagher Student Health, click on “Student Waive/Enroll” under Student Access. If using a mobile device, “Student Waive/Enroll” can be found under Quick Links.

After you waive the coverage online, check back on Gallagher Student Health after 24 hours. If your waiver is approved, it will be clearly stated and you do not need to take additional action. If it is not approved, the message will clearly state that you need to take further action (such as upload information to provide additional proof of current coverage). If you do not resolve any pending issues, you will be enrolled and billed for the University’s coverage.

Note: Students in online programs will be automatically waived from the insurance. If your waiver is not applied by the October 5, 2022 deadline date, please contact

Deadline and Billing

The deadline date to waive your enrollment in this year’s plan is October 5, 2022. Otherwise, you will remain in, and be billed for, the University of Hartford’s Student Health Insurance Plan for the entire policy year. The charge will be made at the beginning of the semester, each semester.

As waivers are approved, charges will be removed from student accounts on a rolling basis—but will not be instantaneous. Students can consider the charge waived once they submit the appropriate waiver info and receive approval with no further requests for documentation.

Those who pay for the student health insurance and later complete the waiver process prior to the Oct. 5 deadline should contact the Center for Student Success or the Bursar Office for refund information.

More Information

Gallagher Student Health is available for questions on the insurance plan at 800.391.9750. Customer service agents are available to assist you Monday through Friday, 8:30 a.m. to 8 p.m. EDT. Complete information and live chat is available with customer service through the Gallagher Student Health website. Monday through Friday, 9 a.m. to 5 p.m.

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