Do you need your own medical insurance for the first time? Have you had a qualifying major life event and you need to find new insurance? Did you age out of your parent/guardian insurance policy? Are you just looking to supplement your current coverage?
No matter what is motivating you to look into a new health insurance policy, the process can feel overwhelming to most students. While our office does not assist with the application process or offer an insurance policy, we can connect students with resources to access quality health insurance plans.
NOTE: UHS bills for all clinical services. Uninsured individuals who qualify, may apply for a reduction in cost of these services. Individuals who do not qualify for a reduction in costs will be billed directly by our third party billing partner, Bills are sent to the student’s address as listed in their MaineStreet account. UHS does not post health related bills to student’s MaineStreet accounts.
Insurance Resources
Voluntary Student Health Insurance Plan (SHIP) 2025-2026
All non-international undergraduate students enrolled in 9 credit hours or more and graduate students enrolled in 6 credit hours or more are eligible to enroll in the University of Maine System’s voluntary health insurance plan. Plan information and/or enrollment is available at Gallagher Health. An annual health insurance charge of $4,863.00 will be payable to Gallagher Health upon enrollment. The coverage period is from August 1, 2025 through July 31, 2026. The annual plan is available to eligible students until September 15, 2025.
For eligible students whose initial enrollment at the University begins with the Spring semester, a spring-only health insurance plan will be available. Cost of coverage is (to be determined)for coverage from January 1, 2025 through July 31, 2026. The Spring plan is available to eligible students until January 31, 2026.
For questions about the student insurance coverage or enrollments, please log into Gallagher Health or call Gallagher Student Health at 833-882-3592. Other Health Insurance Options
CoverME
This website serves as a connecting point between the Maine Health Insurance Marketplace and Medicaid (MaineCare) enrollment portals. Individuals can find information about all offerings in one convenient website. The marketplace and Medicaid have their own enrollment websites which are linked on the CoverME informational site.
Other Offerings
International Student Health Insurance (SHIP) 2025-2026
Please note: International students must still waive or enroll in the Student Health Insurance Plan though Gallagher.
International Student Health Insurance is mandatory for all international students, unless proof of insurance is provided. International students are not eligible for the voluntary SHIP plan described above. Cost of coverage is $3,286.00 for individual student coverage from August 1, 2025 through July 31, 2026 and will be charged to student accounts. International students with adequate health insurance must complete an online waiver process to opt out of the plan before September 15, 2025 to remove the charge from their account.
Plan information or enrollment is available at Gallagher Health.
For eligible students whose initial enrollment at the University begins with the Spring semester, spring-only health insurance coverage will be charged at a cost of (to be determined). Eligible students with adequate health insurance must complete an online waiver process to opt out of the plan before February 4th, 2026. The spring-only coverage period is from January 1, 2026 through July 31, 2026.
Summer-only coverage is also available. Cost of coverage is (to be determined) for coverage from June 1, 2026 through July 31, 2026.
For information regarding the USM Student Health Insurance Plan (SHIP) or Gallagher ISS plans, please contact Tom Gould at Gallagher Tom_Gould@ajg.com. If you would like a list of alternate plans, please reach out to Kaour at the USM International Office at kphill50@maine.edu.