Student Health Insurance

It’s time once more to enroll in, or waive, the Williams health insurance plan.

Unless you waive coverage by August 1st of each academic year, we will automatically enroll you in the Williams health insurance plan at a cost of $2,134 for the 2019-2020 academic year.

The Commonwealth of Massachusetts requires health insurance for all full-time students. (General information about student insurance requirements in Massachusetts can be found at

Williams College offers a comprehensive student health insurance plan through Blue Cross Blue Shield of Massachusetts (BCBS) at a very affordable price: $2,134 for 12 months of coverage. 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, 2019 to August 14, 2020. This feature can be especially reassuring to graduating students who may need a few months following graduation to secure employment. For general information on benefits, on how to enroll, or services issues, contact Gallagher Student Health & Special Risk at (800) 406-5205 or visit

Although many students have health insurance while at home, those policies may be inadequate when they’re at Williams due to restrictive provider networks, high deductibles, or limited coverage for services received outside of a health plan’s service area. When making your annual decision whether to opt into or waive the Williams policy, ask your current health insurance provider these questions:

  • How does my plan cover full-time students attending college away from home, out-of-state or abroad?
  • Does my plan provide adequate coverage, coverage beyond emergency services including diagnostic
  • x-rays and laboratory services, mental health coverage, prescription drugs, inpatient or outpatient hospitalization?
  • Does my plan have participating in-network health care providers in the Williamstown, MA area?
  • What is my deductible?

How to Enroll or Waive the Williams Policy

The health insurance enrollment/waiver process is completed online. You will need your student’s Williams ID and your current insurance information if you wish to waive the college’s coverage.

  • Go to
  • Click “Student Waive/Enroll” on the left
  • If you already have a user account, enter your username and password; if you do not have a user account, fill out the “Create a NEW ACCOUNT” box.

All students must complete the online decision form above by August 1st. Williams will automatically charge students the insurance premium, which will be removed upon the successful submission of the online decision form above. If the online form is not submitted by this deadline, you will remain enrolled in the Student Health Insurance Plan for the entire policy year and the charge will remain on your bill.

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. If you have questions on the Student Health Insurance Plan or about the online waiver/enrollment process, please call Gallagher Student Health & Special Risk at (800) 406-5205.

If you have any questions regarding the enrollment/waiver process, please email [email protected].