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: $2,838.00 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, 2024 to August 14, 2025. (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 1st of each academic year, we will automatically enroll you in the Williams health insurance plan at a cost of $2,838.00 for the 2024-2025 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.

How do I log in to my Gallagher Student Health Account and waive SHIP?

Gallagher Student Health’s website can be accessed by visiting You will need to create an account to log in. An email from Gallagher Student Health with a temporary password will be sent to your Williams email address the first week of June. Click on the link provided in the email and insert the temporary password. Once you login, click the waive button if you would like to waive the Student Health Insurance Plan. (If you did not receive a temporary password, you can choose the ‘Forgot your password’ option on the login page.)

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.