Waive Your SHP Enrollment

2021-2022 waiver process

2021-2022 students may submit a waiver application between June 1 and July 31.

About the annual waiver process

Automatic SHP enrollment: Each year, students enrolled in a full-time Cornell program are automatically 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.

Before submitting a waiver application ...

  1. Confirm that your health insurance meets Cornell's requirements (non-New York state-based HMOs not accepted)

  2. Understand that waiver applications are not accepted from:
    • International students, who are required to maintain their SHP enrollment (with some exceptions)
    • Fully funded graduate students, who have SHP provided as a benefit of their program
    • Student Health Plan Plus (SHP+) enrollees, who do not need to waive SHP

  3. Make sure your plan compares well with SHP and provides the coverage you want and need (TIP: Compare your plan's Summary of Benefits and Coverage with SHP's Summary of Benefits and Coverage) ​​​​​​

After you submit your application

You will be informed whether your waiver application is approved. If your application is not approved, you must stay enrolled in SHP, and will be responsible for paying the premium. (See "Appealing your waiver denial" below if you believe your application was denied erroneously.)

If you have questions about the waiver process or application, you may contact Gallagher Student Health 24/7 at 844-691-4005

Premium refund if you waive after you're billed

Fall students are billed for the fall-semester SHP premium in mid-July. Students starting in January are billed for the spring-semester SHP premium in mid-December. If you waive SHP after you are billed, the premium will be refunded to your Bursar account. 

NOTE: If you use any of your SHP benefits before your waiver application is approved, we will not be able to give you a premium refund for the months your plan was in use. 

In-progress waiver / appeal applications

If your waiver or appeal application is still being processed or is listed as "pending," you are technically still enrolled in SHP. Be sure to review the most recent information you've received about your waiver status, and take any action requested. If your waiver is approved, the premium will be refunded to your Bursar account within 5-7 business days.

Appealing a waiver denial

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.


Please contact Gallagher Student Health (24/7) at 844-691-4005