Health Insurance

Health Insurance

Domestic Students:

Fairfield University requires that all full-time domestic undergraduate students maintain or purchase a health insurance policy. Under Fairfield University's "hard waiver" program, full time undergraduate domestic students* are automatically enrolled (and billed), each July, in its sponsored health insurance policy for the upcoming academic year. A $2,161.00 charge for this policy appears on the domestic student's tuition bill. However, if the domestic 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 domestic student must complete an on-line waiver to provide proof of coverage. Students completing the waiver to decline the university sponsored plan will receive a full credit on their tuition bill.   

*The University’s health insurance requirement and “hard waiver” program only applies to traditional, first degree undergraduate students (it does not apply to Second Degree Nursing students).

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 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


If a form is not submitted by the deadline, you will remain enrolled in and billed for the Student Health Insurance Plan for the entire policy year. Not all plans are considered comparable, such as out-of-state Medicaid plans or regional HMOs. Your current plan must provide coverage in the Fairfield, CT area.

ONLINE WAIVER PROCESS (Domestic Students Only)

To waive the Student Health Insurance Plan for the 2018-2019 policy year, have your health insurance card available and:

  • Log onto (; Net ID and password required
  • Enter “health insurance waiver” in the search tool
  • Click on the “Student Health Insurance Waiver” icon
  • Complete the form
  • Be sure to click on the “submit” button on the bottom of the screen

Once your bill is available on the Bursar page (in early July), you will be able to verify that the waiver has been successful:

  • Log on to
  • Search “Online Billing and Payment – Student” and then select “Launch”
  • Select “View Current Activity, Fall 2018”

Students will see the initial $2,161.00 charge for the student health insurance plan. Students who have submitted the waiver will see a corresponding $2,161.00 credit. (Note: The credit may take up to two business days after the waiver is submitted to appear on the Fall 2018 activity).

Questions? Contact Gallagher Student Health toll free at 1-800-397-2874 or visit our website and click the ‘Customer Service’ link.

International Students:

Fairfield University requires all full-time undergraduate and graduate international students to purchase the University sponsored health insurance policy. The University enrolls each international student in its sponsored health insurance policy for the upcoming academic year. A charge for this policy appears on the student's tuition bill. International (VISA holding) students are enrolled on a mandatory basis and cannot waive coverage. 

To View Policy Details:  please visit

Questions? Contact Gallagher Student at (800) 397-2874 or visit their website at .

Domestic Graduate Students:

The University is not able to offer health insurance to domestic (US) graduate students. If you need health insurance, here are a few options:

  1. 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 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.
  2. 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 held by a parent. Please contact the employer for further details.
  3. Individual health insurance plans available on the open market (outside of the official state marketplace).

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