Health Services Insurance Information and Requirements

Adelphi University requires all residential and international students to have health insurance coverage that meets ACA and New York State mandates. This ensures students have consistent access to healthcare during their studies.

University-Sponsored Health Insurance Plan

Adelphi offers a student health insurance plan through United Healthcare, administered by Gallagher Student Health & Special Risk. The plan meets state and federal requirements and is designed to protect students’ health and well-being.

This plan is designed to meet the insurance requirements for residential and international students, offering benefits that align with ACA standards, including customer protection, underwriting guidelines, and state approval by the Division of Insurance. These standards are recognized as best practices among peer institutions of higher education.

• All residential and international students are automatically enrolled unless they successfully submit a waiver by the deadline.
• Adelphi International (AUI) students must enroll and cannot waive this coverage.
• Domestic students who do not live in Adelphi University residence halls are not eligible to enroll in the university’s student health insurance plan for the 2025–2026 academic year.
• Any student not eligible for the university’s student health insurance plan can learn about other options provided through New York State.

Get a brief overview of the health insurance policy.

2025-2026 Health Insurance Plan Details

Coverage Period

• Annual Plan: August 10, 2025 – August 9, 2026
• Spring-Only Plan (for students entering Adelphi for the first time in the spring): January 1, 2026 – August 9, 2026

Insurance Fees

Fees for the 2025–2026 academic year school insurance are approximately $2,090. Exact fees will be announced prior to the start of the billing cycle. You will be billed in the fall semester, with the remaining amount billed in the spring semester. This insurance provides coverage from August 10, 2025, to August 9, 2026. Once enrolled in the fall, Resident and International students are automatically enrolled into the spring semester and billed for the remaining fee unless they withdraw or graduate from the University.

Fees for students entering Adelphi University for the first time in the spring semester will also be announced before the start of the spring billing cycle. Coverage for spring-entry students runs from January 1, 2026, to August 9, 2026.

Insurance fees are billed directly to the student’s tuition statement and are listed as “Health Insurance Plan”. Pending NYS DFS State approval of United Healthcare’s rate filing for 2025/2026.

Optional Add-On Coverage for Vision and Dental

For an additional fee, the student health insurance plan offers optional vision and dental insurance add-on coverage. These add-ons provide students with discounted rates on dental and vision care services.

Waiving Adelphi’s Health Insurance

You may elect to waive the school insurance if you have comparable coverage that is active. All students must provide proof of their coverage when requesting a waiver. You will need your Adelphi student username and password to access the waiver form.

Waiver Deadlines

Students with comparable coverage can request a waiver, but must submit proof of coverage by the following deadlines:

• Fall 2025: October 1, 2025
• Spring 2026: March 1, 2026

No late waivers will be accepted.

If you waive the plan in the fall and continue in the spring, you do not need to submit a new waiver.

If you enroll in the spring for the first time, you must waive separately by the March 1 deadline.

Minimum Waiver Requirements (Residential and International Students)

To waive the Adelphi plan, your health insurance must meet all ACA guidelines, including:

• Unlimited plan maximum
• Minimum coverage: 80% in-network / 60% out-of-network
• Medical Evacuation: $50,000 (International Students only)
• Repatriation of Remains: $25,000 (International Students only)
• Active coverage for the entire term (International Students only: Fall: August 10 – December 31; Spring: January 1 – August 9)

If your policy does not meet these requirements, your waiver will be denied.

What You’ll Need to Waive

Before you start the waiver process, gather the following information:

1. Your current insurance card (front and back) — the card must have the insurance ID number on it.
2. Your Adelphi student ID number (Not sure of your ID? You can look up your Adelphi ID.)
3. An email address that you will monitor for communications from the insurance company about your waiver status.
4. International students only: A copy of your actual policy documents to upload to the waiver site.

Be sure to double-check all information—especially your policy number and phone number—before submitting. Accurate information is essential for your waiver to be approved.

After Submitting a Waiver

• Students must retain a copy of their waiver submission confirmation. It is the student’s responsibility to provide proof of waiver submission if there’s an issue. Once your waiver is approved, the insurance fee will be removed from your account within one to two weeks.
• Students must monitor the email address they use to process the waiver for communications from the insurance company.

For questions about the health insurance requirement, waiver process or plan benefits, please contact us at studentinsurance@adelphi.edu or the customer service for Gallagher Student Health & Special Risk at 833.821.2337.