Automatic SHP enrollment: Each year, full-time academic-year students are enrolled in Cornell's Student Health Plan (SHP) as part of university policy requiring all students to have quality health insurance. (Exception: Some students may be eligible for SHP+)

Waiving SHP: Eligible students who have alternate health insurance that meets Cornell's requirements may apply to waive their SHP enrollment. Students who retain their own insurance must submit a waiver application annually.

Waiver applications are NOT accepted from ...

Before submitting a waiver application ...

  1. Confirm that your health insurance meets Cornell's requirements (non-New York state-based HMOs not accepted)
  2. Make sure your plan compares well with the Student Health Plan (SHP) and provides the coverage you want and need:
  3. Ithaca students: Understand that if your waiver is approved, you will pay a Student Health Fee (gives you the same pre-paid access to care at Cornell Health as SHP members have, with a $10 copay for appointments)

Submit a waiver application


The deadline to submit a waiver application was December 31, 2018. Late waiver applications will be accepted until 11:59 pm on January 31, 2019. A $100 late fee applies.

>> Application login (Gallagher Student Health*) 

When filling out your application, you will be asked to provide information to demonstrate that your plan meets Cornell's requirements.

You will be informed whether your waiver application is approved:

  • If your application is approved, the SHP premium (charged to your Bursar account in mid-December) will be refunded to your account. Ithaca students will be responsible for paying the spring-semester Student Health Fee.
  • If your application is not approved, you must stay enrolled in SHP, and will be responsible for paying the spring-semester premium. (See "Appealing your waiver denial" below if you believe your application was denied erroneously.)

*Cornell's waiver application process is maintained through Gallagher Student Health. If you have questions about the waiver process or application, you may contact them 24/7 at (844-691-4005). You may also contact us at 607-255-6363 or studentbenefits@cornell.edu during office hours.

Appealing a denied waiver

If you believe your plan meets Cornell's requirements and your waiver application was denied in error, please email us so we can send you an appeal form.