Student Health Insurance

The Commonwealth of Massachusetts requires health insurance for all full-time students.

Williams College offers a comprehensive student health insurance plan through Blue Cross Blue Shield of Massachusetts (BCBS) at a very affordable price: $2,291.00 for 12 months of coverage.

  • The Williams College plan is fully compliant with the Affordable Care Act and provides access to health care providers and comprehensive benefits when you’re at Williams.
  • Care and services received from a BCBS participating provider are covered with no deductible and at 100%. Out of Network coverage is covered at 80% after a $250 deductible.
  • The plan is fully compliant with the Affordable Care Act and provides worldwide coverage, 24 hours a day, throughout the policy period, August 15, 2020 to August 14, 2021. (This feature can be especially reassuring to graduating students who may need a few months following graduation to secure employment.)

Unless you waive coverage by August 15th of each academic year, we will automatically enroll you in the Williams health insurance plan at a cost of $2,291.00 for the 2020-2021 academic year.

Use this checklist to help determine whether to sign up for Williams Coverage or  submit a waiver request. If Gallagher does deny your waiver request they will advise you the reasons. If after speaking with Gallagher you still have questions they will advise you on whom to call.

July 16, 2020

New Website!

Gallagher Student Health is excited to share our new website with you.  If you are a returning student you will need to create a new account for this website.

You will receive an email shortly from Gallagher Student Health to your Williams College email account with a temporary password.  You will need to click on the link provided in the email and insert the temporary password into the login field. 

To learn more about the Williams’ SHIP, the insurance requirements, or how to waive, go to  If you plan to waive, have your current health insurance ID card available as you’ll need that information.

For general information on benefits, on how to enroll, or services issues, contact Gallagher Student Health & Special Risk at (800) 406-5205 or visit

Rest assured: students who waive the Williams insurance plan are entirely eligible and welcomed to use the Health Center. Whether you’re insured by the Williams plan or another policy, it is your responsibility to know and understand the terms and limitations of your insurance coverage.

Continuation Coverage Policy

We are also offering a continuation coverage policy to students who are on a personal leave from Williams. This is only available to students who were enrolled in SHIP during academic year 2019-20, and it will extend coverage through January 31, 2021. If you are interested in such coverage, please visit the Gallagher Student Health  to log in and enroll. Payment will be due at the time of enrollment.

The cost of the continuation plan is $1145.00 and is in effective from 8/15/2020-1/31/2021