All full-time undergraduate, graduate, and second-degree nursing students are required to maintain health insurance. If the student already has insurance and does not need the University-sponsored health insurance policy, a waiver must be completed.
The waiver for the 2025-26 academic year will be available in mid-June. The deadline to waive is Tuesday, September 9, 2025. Instructions on how to waive the insurance will be emailed from Gallagher Insurance to the student’s email account when the waiver is available.
To qualify for the waiver, the student's health insurance policy must meet or exceed the coverage provided by the University-sponsored plan. The policy must also be written and filed in the United States.
Students enrolling at Fairfield for the first time for the Spring 2025 or Summer 2025 semester do not need to file a waiver for the 2024-2025 academic year. You will receive a reminder from Gallagher Insurance when the waiver is available for the 2025-2026 academic year.
Please contact healthinsurance@fairfield.edu to enroll in the student health insurance plan outside of the open period or with any questions.
International Students
Fairfield University requires that all undergraduate and graduate international students, part-time or full-time, maintain the University sponsored health insurance policy through Cultural Insurance Services International. Students will see a charge of $2,119.80 on their tuition bill for a health insurance policy for the 2025-2026 academic year. International students cannot waive the University-sponsored health insurance coverage.
Undergraduate Students
Fairfield University requires that all full-time undergraduate students maintain or purchase a health insurance policy. Under Fairfield University's “hard waiver” program, these students will see a charge of $3,090.00* on their tuition bill for a health insurance policy for the 2025-2026 academic year. However, if the student has access to comparable or better health insurance through other means (e.g. parents' coverage), and does not wish to be enrolled in the University-sponsored plan, the student must complete an online waiver to provide proof of coverage. Instructions on how to waive the insurance will be sent by Gallagher Insurance to the student’s email account when the waiver opens in mid-June. Students completing the waiver to decline the University-sponsored plan will receive full credit on their tuition bill.
*Subject to change dependent upon final approval by State of Connecticut.
Full-Time Second-Degree Nursing Students
Fairfield University requires that all full-time second-degree nursing students maintain or purchase a health insurance policy. Under Fairfield University's “hard waiver” program, these students will see a charge of $4,754.00* on their tuition bill for a health insurance policy for the 2025-2026 academic year. However, if the student has access to comparable or better health insurance through other means (e.g. parents' coverage), and does not wish to be enrolled in the University-sponsored plan, the student must complete an online waiver to provide proof of coverage. Instructions on how to waive the insurance will be sent by Gallagher Insurance to the student’s email account when the waiver opens in mid-June. Students completing the waiver to decline the University-sponsored plan will receive full credit on their tuition bill.
*Subject to change dependent upon final approval by State of Connecticut.
Full-Time Graduate & Doctoral Students
Fairfield University requires that all full-time graduate and doctoral students maintain or purchase a health insurance policy. Under Fairfield University's “hard waiver” program, students who already have insurance and who do not want the University-sponsored insurance plan must complete a waiver to provide proof of coverage. Instructions on how to waive the insurance will be sent by Gallagher Insurance to the student’s email account when the waiver opens in mid-June.
If students would like to enroll in the University-sponsored insurance plan, please e-mail healthinsurance@fairfield.edu. The cost for the yearly plan for the 2025-2026 academic year is $4,754.00*. Only graduate and doctoral students enrolled in the insurance plan will be charged for the insurance.
*Subject to change dependent upon final approval by State of Connecticut.
Student Health Insurance Plan Features
- Fully compliant with the Affordable Care Act (ACA)
- Annual deductibles: $250 In-Network and $500 Out-of-Network
- Coverage at 80% In-Network & 50% Out-of-Network
- In-Network Physician’s Office visits covered at 100% after a $40 copay
- Preventive care services with no deductibles, copays, or coinsurance (In-Network Only)
- Students will be able to locate providers whether at home, school or throughout the country through the Cigna PPO Network
- Retail or mail-order prescription drug coverage
- Worldwide Travel Assistance including Medical Evacuation, and Repatriation, and Political & Natural Disaster coverage
- Wellness discounts including Vision and Dental
- Voluntary Dental Insurance is available for all students regardless of Student Health Insurance enrollment
For a complete description of the benefits available, limitations and exclusions, and FAQs please visit www.gallagherstudent.com/fairfield.
Part-Time Students
The University’s health insurance requirements and “hard waiver” program only apply to traditional, first-degree undergraduate students, full-time graduate students, and students enrolled in the second-degree nursing program. Voluntary enrollment in the University-sponsored health insurance plan is not available to part-time students at either the undergraduate or graduate levels. Alternatives to consider to maintain health insurance coverage while attending Fairfield University include:
- Coverage under a parent’s employer insurance plan: For those under age 26, you may qualify to enroll as a dependent on the health insurance plan held by a parent.
- Individual coverage through your state insurance marketplace: Coverage is available for individual enrollment through the insurance marketplace in the state in which you are a permanent resident. Visit healthcare.gov and complete the questionnaire to view plans that you may qualify for. Depending on your household income, you may also qualify for a subsidy for coverage purchased through your state marketplace.
- Individual health insurance plans available on the open market (outside of the official state marketplace).
If you have any questions regarding the Student Health Insurance Plan, please email healthinsurance@fairfield.edu.
