Health Insurance for Graduate Students
Purchasing health insurance is important for maintaining physical and mental well-being while in graduate school. Unexpected healthcare expenses can be disruptive to students’ academic progress.
As of Fall 2020, all students enrolled full-time in a master’s or doctoral program at the University of Maryland, College Park campus must have health insurance coverage. Full-time students are those who are enrolled for at least 48 units for the semester or 36 units for a 12-week term. Part-time students, non-degree-seeking students, students enrolled in certificate programs, exclusively online programs, and/or programs at the Shady Grove campus are encouraged but not required to have health insurance, unless the student's immigration status requires insurance.
Please view the full policy in the Graduate Catalog.
Students holding a graduate assistantship can choose to 1) enroll in a Maryland State Employee Health Insurance Plan, included in the benefits for the assistantship 2) enroll in the University’s Student Health Insurance Plan (SHIP), or 3) enroll in an external plan.
Students not holding a graduate assistantship can choose to 1) enroll the University’s Student Health Insurance Plan (SHIP) or 2) enroll in an external plan.
Students who enroll in an external plan, or are covered by someone else’s plan (a parent or a spouse), will be asked to provide insurance information to the Graduate School by September.
- The Maryland State Employee medical, prescription drug, and dental plans.
- The Student Health Insurance Plan (SHIP) is available to all students. For more information about SHIP, visit the UMD Health Center website.
- To enroll in SHIP during open enrollment or a life qualifying event, visit the UMD Health Center website.
- This UMD SHIP cost comparison sheet outlines similarities and differences between a popular Maryland State Employee Insurance coverage and the University SHIP coverage.
- Maryland Health Connection. Open enrollment for 2020 through Maryland Health Connection has ended. You can get covered year-round if you qualify for Medicaid, or recently have had certain life events.
- E-HealthInsurance.com is a portal for purchasing short-term insurance plans.
Health Insurance Definitions and Terms