Health Insurance

All students carrying nine credits or more in the Day or Evening Program are required to participate in the student health insurance program. To ensure compliance with the QSHP law, students are automatically billed for the Student Health Insurance Plan. 

International Students who are covered by insurance carriers outside the U.S. and by foreign National Health Service programs are deemed not to have  coverage comparable to coverage under a qualifying student health insurance program. If you currently have adequate health insurance, you can waive enrollment. First, please review what’s included in the MA Community College Student Health Insurance Plan:

  • Coverage for inpatient and outpatient medical expenses, access to mental health services, and prescription drug coverage
  • Access to Harvard Pilgrim’s comprehensive network of doctors, specialists and hospitals close to campus and home
  • Worldwide coverage while studying or traveling abroad
  • $250 deductible per year
  • No age restrictions
  • Access to discounts for dental,eyewear and fitness services

Now you can WAIVE your Student Health Insurance. Because of the Affordable Care Act, you are no longer required to purchase the Student Health Insurance Plan (SHIP) if you have:

  • MassHealth Standard, CommonHealth, Care Plus, or Family Assistance
  • Connector Care
  • Network Health Extend (formerly the Medical Security Program)
  • Registered with the Veterans Administration Medical Center (VAMC)

Or if you are under 26 and currently enrolled under your parents’ health insurance program.

Waiver Deadlines:

Student registered on or after the bill due date:
Deadline: by 7:00 p.m. day of registration for Monday – Tuesday
Deadline: by 6:00 p.m. Wednesday – Thursday
Deadline: by 4:00 p.m. day of registration for Friday

Direct link to waiver form:

  1. Once at the BHCC/Gallagher homepage, click the "Student Waive" tab
  2. Create a username and password
  3. Click on the red “I Want to Waive” link

Questions? Contact Gallagher Koster
Phone: 877-320-5277

Health Insurance Refund Policy

Except for medical withdrawal due to covered injury or sickness, students withdrawing from the College during the first 31 days of the period for which coverage is purchased shall not be covered under the policy and a full refund of the premium will be made. Students withdrawing after 31 days will remain covered under the policy for which the premium was paid and no refund will be allowed. Students who do not withdraw completely, but who drop below nine credit hours within the first 31 days, may apply to the Student Payment Office for a refund of health insurance premiums. Registering for mini-semester, web courses, Telecourses, and Center for Self-Directed Learning courses later in the fall or spring semester may restore the student’s obligation to carry health insurance.