All students enrolled at Bates are required to have health insurance and must provide annual proof of coverage. Students may elect coverage under their own insurance, through their employer or their parents’ policies, or through the Bates Student Health Insurance Plan (SHIP). The cost of coverage through the SHIP for the full 12 months is $2,447. For students returning to campus for the first time for the Winter semester and enrolling in the SHIP in January, the premium is $1,515.
To ensure that students have adequate coverage, the college requires students to either enroll in or waive out of the Bates SHIP by completing the Health Insurance Enroll – Waive process accessed through the Garnet Gateway and administered by Wellfleet Insurance Group. The Enroll – Waive process for students enrolled for the fall 2024 semester opens on May 1, 2024 and closes on May 31, 2024. Click on Student Health Insurance Plan (SHIP) under the To-Do List on the Garnet Gateway to complete this process.
Students who elect the Bates SHIP or are required to enroll in the plan will be billed the cost of the SHIP in September (students enrolled for the fall semester) or January (students enrolled for the winter semester.) Students receiving need-based financial aid from Bates may qualify for a full or partial grant subsidy, depending on their Bates-calculated family contribution, to help offset this cost.
For 2024-25, students with a calculated family contribution of $15,000 or less will receive a full subsidy, while students with contributions between $15,000 and $40,000 will receive a 50% subsidy. No subsidy will be provided when the calculated contribution exceeds $40,000. The calculated family contribution appears on the student’s financial aid award letter provided by Student Financial Services.
Students who take no action and do not complete the mandatory Enroll – Waive process will automatically be enrolled in and charged for the cost of the SHIP – there will be no refunds or reversals of charges.
Additional information about the Bates SHIP is available through the following resources: