Student Health Insurance

In accordance with the Affordable Care Act, Bates requires all full-time students to have health insurance and offers coverage (at an additional cost) to students who are not covered through another policy.

To ensure that students have the opportunity to enroll in the Bates Student Health Insurance plan, the college annually asks students to indicate on the Garnet Gateway whether insurance coverage is needed. Students can elect coverage through the Bates plan or decline coverage if they are covered through another insurance policy. International students cannot decline coverage unless they are insured under a U.S. plan

The Bates College Student Health Insurance Plan becomes effective August 15, 2015, and ends August 14, 2016. Premium amounts for 2015-16 are $1,516 for domestic students and $1,337 for international students.


Health Insurance Election Process

To elect or decline health insurance coverage through Bates, please follow these steps:

  1. Log into the Garnet Gateway, select Student Financial Services tab at the top of the page, then choose the third option under Billing & Student Accounts — Student Health Insurance.
  2. Choose Accept to automatically be enrolled in the college’s plan or Decline if you already have coverage.
  3. When you submit the form, you will receive a confirmation of your selection. You can change your mind as many times as necessary until June 30, which is when the enrollment period end.

The deadline for making an election is June 30, 2015. For students enrolling in the Winter Term, the deadline is January 31, 2016. Students who do not make an election will be enrolled in the college’s health insurance plan and charged for the cost of insurance.


Please note that students are the only individuals who can elect or decline coverage through the Garnet Gateway.

Insurance cards for students electing coverage will be mailed to campus mailboxes in August. Students and parents who have questions concerning policy coverage can contact Cross Insurance Agency at 207-783-3852 for more information.