Health Insurance Policy & Compliance
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.
* Students who will not be physically on campus at any time in Fall 2020 due to COVID-19 restrictions are strongly encouraged to maintain health insurance, but are temporarily exempt from this policy. Students who are able to arrive on campus for the spring semester are eligible to enroll in the university's Student Health Insurance Plan during the 6-week open enrollment period starting on January 1, 2021. Students who are exclusively online during Fall 2020 and would like to request a temporary exemption to this policy, should complete this Temporary Exemption Request Form.
Please view the full policy in the Graduate Catalog.
To comply with this policy, please select one of the options below:
Enroll in the University’s Student Health Insurance Plan (SHIP) (available to all students). SHIP Open Enrollment occurs three times during the year. When Open Enrollment is closed, only students with a qualifying event can enroll. Open Enrollment dates and qualifying event information can be found on the Academic HealthPlans (AHP) website at umdgrad.myahpcare.com/enrollment. (For students who enroll in SHIP, the Graduate School will receive a report. Students do not need to notify us.)
Enroll in the State of Maryland Employee Health Plan (available to graduate assistants (GAs) only). GAs have 60 days from the start of the assistantship to opt into a State plan. To enroll in the Maryland State Employee Health plan, please consult with your department's business office or visit the University’s Human Resources benefits web page at uhr.umd.edu/benefits/. (For students who enroll in a State of Maryland Employee Insurance Plan, the Graduate School will receive a report. Students do not need to notify us).
Report your external health insurance plan to the Graduate School. Students can enroll in a health plan from any source. Students who enroll in a plan external to UMD are asked to complete the External Health Insurance Reporting Form on the AHP website.
Report that you will not be physically on campus at any time in Spring 2021 due to COVID-19 restrictions by requesting a Temporary Exemption.