student health insurance
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Voluntary Student Health Insurance Plan (SHIP)
Benefits and rates are subject to state and federal requirements and Maine state approval. Company reserves the right to make any changes necessary to meet such requirements.
Plan information and/or enrollment is available at Gallagher Health. Enrollment for the 2026-27 academic year begins on June 24th, 2026.
All non-international undergraduate students enrolled in 9 credit hours or more and graduate students enrolled in 6 credit hours or more are eligible to enroll in the University of Maine System’s voluntary health insurance plan if they reside in the state of Maine while enrolled. An annual health insurance charge will be payable to Gallagher Health upon enrollment. Enrollment in the annual plan is available to eligible students until September 15th each year. For eligible students whose initial enrollment at the University begins with the Spring semester, a spring-only health insurance plan is available to eligible students until January 31st each year.
For questions about the student insurance coverage or enrollment, please log into Gallagher Health or call Gallagher Student Health at 833-882-3592.
| Coverage Period | Coverage Dates | Premium Amount |
| Annual | 8/1/2026 – 7/31/2027 | $5,273 |
| Fall | 8/1/2026 – 12/31/2026 | $2,210 |
| Spring/Summer | 1/1/2027 – 7/31/2027 | $3,063 |
| Summer 1 | 5/1/2027 – 7/31/2027 | $1,330 |
| Summer 2 | 6/1/2027 – 7/31/2027 | $882 |
| Early Arrival | 7/1/2026 – 7/31/2026 | $440 |
Graduate Assistant Health Insurance
Benefits and rates are subject to state and federal requirements and Maine state approval. Company reserves the right to make any changes necessary to meet such requirements.
Graduate Assistant Health Insurance is mandatory for all graduate assistants and fellows working 20 hours a week and earning a minimum monthly stipend, unless proof of comparable insurance is provided. Graduate Assistants are not eligible for the SHIP plan described above. Coverage will be charged to student accounts. Eligible students with adequate alternative health insurance must complete an online waiver process to opt out of the plan before September 15th each year to have the charge removed.
Plan information or enrollment is available at Gallagher Health.
For eligible students whose initial enrollment at the University begins with the Spring semester, spring-only health insurance will be billed. Eligible students with adequate health insurance must complete an online waiver process to opt out of the plan before January 31st each year.
Summer-only coverage is also available. Please notify the Graduate School if you would like to enroll in the Graduate Assistant Health Insurance Summer Plan.
For questions about the student insurance coverage or completing waivers/enrollment, please call Gallagher Student Health at 833-882-3592.
| Coverage Period | Coverage Dates | Premium Amount |
| Annual | 8/1/2026 – 7/31/2027 | $3,581 |
| Fall | 8/1/2026 – 12/31/2026 | $1,501 |
| Spring/Summer | 1/1/2027 – 7/31/2027 | $2,080 |
| Summer | 6/1/2027 – 7/31/2027 | $599 |
| Early Arrival | 7/1/2026 – 7/31/2026 | $304 |
International Student Health Insurance
Benefits and rates are subject to state and federal requirements and Maine state approval. Company reserves the right to make any changes necessary to meet such requirements.
International Student Health Insurance is mandatory for all international students, unless proof of insurance with specified levels of coverage is provided. Information from the Office of International Programs about health insurance requirements can be found here. Cost of coverage will be charged to student accounts. International students with adequate health insurance must complete an online waiver process to opt out of the plan before September 15th each year to remove the charge from their account.
International students are not eligible for the voluntary SHIP plan described above.
Plan information or enrollment is available at Gallagher Health.
For eligible students whose initial enrollment at the University begins with the Spring semester, spring-only health insurance coverage will be charged. Eligible students with adequate health insurance must complete an online waiver process to opt out of the plan before January 31st each year.
Summer-only coverage is also available.
For questions about the student insurance coverage or completing waivers/enrollments, please call Gallagher Student Health at 833-882-3592.
| Coverage Period | Coverage Dates | Premium Amount |
| Annual | 8/1/2026 – 7/31/2027 | $3,581 |
| Fall | 8/1/2026 – 12/31/2026 | $1,501 |
| Spring/Summer | 1/1/2027 – 7/31/2027 | $2,080 |
| Summer | 6/1/2027 – 7/31/2027 | $599 |
| Early Arrival | 7/1/2026 – 7/31/2026 | $304 |
