Student Health Insurance

Massachusetts law requires all students to have medical insurance.

To comply with state regulations, all students are automatically enrolled in and billed for the student health insurance plan through Gallagher Student Health and Special Risk.

If you are currently enrolled in a comparable plan and can provide your policy information, you may elect to waive the College's plan according to the process below and your student account will be credited.

Visit the Health and Counseling Services Student Health Insurance page to understand choices regarding health insurance coverage. 

Online Waiver Process

The 2023-24 Waiver and Enrollment forms will be available from June 21, 2023, through August 06, 2023.

If a waiver form is not submitted by the August 6th deadline, you will remain enrolled in and billed for the student health insurance plan for the entire policy year whether you use the insurance or not.

To waive the student health insurance plan for the 2023-24 policy year:

  1. Go to
  2. Under ‘Profile,’ enter your Hampshire email address and click on LOG IN.
    First Time Users: An email from Gallagher Student Health has been sent to your Hampshire email with a temporary password. Click on the link provided in the email and insert the temporary password. (If you did not receive a temporary password, you can choose the ‘Forgot your password?’ option on the login page.)
  3. Once you log in, select the ENROLL or WAIVE option. If waiving the insurance, have your current health insurance ID card ready, as you will need this information in order to complete the waiver form. A confirmation number will be sent to you upon completion of the form, but approval may take 24-48 hours.

Questions? Contact Gallagher Student Health at 1.800.398.6519 or by email at

Additional Information Regarding Co-Payments, Co-Insurance, and Deductibles

Hampshire College medical office visits and lab tests will be billed to your health insurance plan through the University of Massachusetts Amherst Health Services Billing. You will be responsible for any office visit charges, prescriptions, lab tests, or x-rays that are not covered by your insurance. These charges could be called "out of network care," "co-insurance," or "deductibles."

Hampshire College covers the cost of all on-campus counseling visits.  Please visit Frequently Asked Questions: Health and Counseling Services for more information.

Health Insurance for Students on Leaves of Absence

A student who has taken a leave of absence will not be automatically enrolled in or billed for the student health insurance plan. If, however, a student on leave wishes to enroll in the student health insurance plan, the student must email student accounts to request coverage. To be eligible for coverage, the student must have been enrolled in the student health insurance plan the prior semester. The student must send the request for coverage before the beginning of EACH semester the student has been approved for a leave of absence. Withdrawn students are not eligible for student health insurance coverage.

  • August 31: Deadline for students on leave to indicate they want to stay on plan for fall 2023
  • February 15: Deadline for students on leave to indicate they want to stay on plan for spring 2024