Health Insurance is mandatory for all residential and international students.

Adelphi University is pleased to provide a comprehensive student health insurance plan that complies with the federal mandates under the Affordable Care Act (ACA) and New York State Mandates. The University requires all international students to be insured by this plan to ensure its students are adequately protected for their time here.

The University provides this sponsored student health insurance plan to ensure Residential and International students meet the insurance requirement while also having a plan that is in compliance with all aspects of the Affordable Care Act, including but not limited to Benefits, Customer Protection, underwriting guidelines and State approval by the Division of Insurance for which the policy is filed. These standards are considered as a best practice and held in high regard among peer institutions of higher education.

All matriculated Adelphi International (AUI) students studying at any Adelphi campus or center, with the exclusion of sponsored students, must be on the Adelphi student health insurance plans and waivers will not be granted.


Policy Overview

View a brief overview of our health insurance policy is available.


School Insurance Information

Coverage Period: August 10, 2024 – August 9, 2025

Waiver Deadlines:

  • Fall 2024 the waiver period ends on Oct 1, 2024
  • Spring 2025 the waiver period ends on March 1, 2025

All residential and international students must have insurance.

Domestic students not living in Adelphi University residence halls are not eligible to enroll in the plan in 2024-2025. 

Any student not eligible for the university’s student health insurance plan can learn about other options provided through New York State at

Please see below for full details.

The insurance carrier is United Healthcare and the plan is administered by Gallagher Student  Health & Special Risk. To view the plan please visit You can navigate through this site for all information or contact the company’s customer service department directly for further details at 833.821.2337.

Please be aware that for an additional fee the plan also includes discounts on vision and dental insurance for Add-On Coverage options please go to

Insurance Fees

Fees for the 2024-2025 academic year school insurance are $1,940. You will be billed in the Fall semester ($765) and the remaining amount in the Spring semester ($1,175) which provides coverage from August 10, 2024–August 9, 2025. 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 are $1,175 and provide coverage from January 1, 2025–August 9, 2025.

Billing: 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 2024/2025.

If you have comparable insurance and want to waive the school plan you MUST do so by the above-indicated deadlines. There are NO exceptions.

Waiver Instructions and Requirements

The waiver period for the Fall 2024 semester closes on October 1, 2024.

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. This policy must meet the following requirements (this applies to all residential and international students attempting to waive the school insurance.)

Residential and international students must meet all ACA guidelines, including but not limited to:

  • Unlimited plan maximum
  • Medical Evacuation: $50,000 maximum per Covered Person (International Students only)
  • Repatriation of Remains: $25,000 maximum per Covered Person (International Students only)
  • Active insurance that provides coverage for entire term (International Students only; Spring Jan 1st -August 9th Fall August 10th -December 31st)
  • Co-insurance: no lower than 80% In-Network / 60% Out-of-Network
  • If your policy does not meet these requirements, your waiver will be denied.

If you have an approved waiver for Fall 2024 term you do not need to complete a waiver for the Spring 2025 term.


Waiver Deadlines for Upcoming Academic Year 2024

The insurance waiver deadline for Spring 2025 enrollees closes on March 1, 2025.

If the student continues in the fall as resident or international they must repeat the waiver process annually.

Anyone applying for a waiver must keep a printed copy of their waiver application submission confirmation. It is the student’s responsibility to provide this confirmation in the event there is an issue with the waiver. Once you have received notification that your waiver has been approved (please also print and keep this communication for your records), the insurance fee billed to you will be removed from your account within one to two weeks. Students must also monitor the email address used to process the waiver for communications from the insurance company. If a waiver is denied the insurance company will communicate directly with the student via the email address used at the time of the waiver application.


Please note: You will need your Adelphi student username and password to access the waiver form.

Before attempting the waiver process, you will need the following information:

  1. Your current insurance card (front and back).
  2. The card must have the insurance ID number on it.
  3. Your school ID number.
  4. An email address that you will monitor for correspondence from the insurance company regarding the status of your waiver.
  5. International students will be asked to upload a copy of their actual policy documents to the waiver site.

When completing the application please be extremely careful when entering your policy number and phone number and double-check this information before submitting. Accurate information is essential to the waiver being granted


Please see FAQ for further instructions or questions


Gallagher Student Health & Special Risk
500 Victory Road
Quincy, MA 02171


Student Insurance
Carol Giaconelli, Administrative Assistant 3
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Waldo Hall First Floor
  • Summer Hours (May 20 - August 23) Daily: 8:00 am to 4:00 pm
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