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2024-2025 Rates and Dates

Rates for the 2024-2025 Student Health Plan have been submitted for approval by the New York State Department of Financial Services. The amounts provided below are estimates for planning purposes and subject to change. Final rates are expected June 2024.

Student Coverage Rates (Estimates, Final Rates TBA)

Full Year (12 Month) Coverage: $3,944 - $4,058

Student Status

Coverage Dates

Fall Bill

Spring Bill

August 2024 Graduates 

7/1/2024 - 8/31/2024

$658 - $677 (billed to summer term)


Fall 2024 New Students

8/1/2024 - 6/30/2025

$1,644 - $1,691

$1,972 - $2,029

Fall 2024 Returning Students (including students starting Summer 2024) and all Fully-funded Graduate Students

7/1/2024 - 6/30/2025

$1,972 - $2,029

$1,972 - $2,029

Spring 2025 New Students & Students Returning From Leave

1/1/2025 - 6/30/2025


$1,972 - $2,029

Dependent Coverage Rates (Estimates, Final Rates TBA)

Dependent coverage is not billed by the bursar and must be paid by credit or debit card.

  • Spouse/Domestic Partner: $3,944 - $4,058 
  • One Child: $3,944 - $4,058 
  • Two or More Children: $7,888 - $8,115 

See the Dependent Enrollment section for instructions on enrolling dependents and payment. Coverage dates for dependents are the same as for students unless the dependent is enrolled outside open enrollment due to a qualifying life event.

Enrollment Deadlines



  • Dependents of Fall Start Students
  • Fall Start Students Who are NOT Automatically Enrolled


  • Dependents of Spring Start Students
  • Spring Start Students Who are NOT Automatically Enrolled


  • Dependents of SHP-Enrolled Late Registered Students

Within 30 days of student SHP enrollment

  • Following a Qualifying Life Event (Students and/or Dependents)

Within 30 days of event

Waiver Deadlines

A waiver must be approved every academic semester you are an active student.  Waiver submission does not guarantee approval.  It is your responsibility to monitor your waiver status and to update your waiver by the deadline.  Log in to Gallagher Student Health to check your waiver status.  For more information on waiving, visit our pages on Eligibility to Waive and How Do I Waive.



Early Start Students at NYC Tech Campus (continuing in Fall 2024)


Early Start Students at Ithaca Campus Seeking Waivers for Both Summer 2024 and Fall 2024 (Waiver Effective 6/1/24)


Early Start Students at Ithaca Campus Seeking Waiver for Fall 2024 Coverage only (Waiver Effective 7/1/24)


New Admit Fall Start Students (also see New Student To Do List)


Fall Waiver Reverification Updates of Prior Approved Waivers (Active Coverage Check)


Returning Fall Students with Leave Date Before Spring 2024


Spring New Matriculated Students 


Spring Waiver Reverification of Fall Approved Waivers (Active Coverage Check)


Late Registered Students

Within 30 days of SHP enrollment

Important for Students Returning from Leave: Due to the complexity of returning from leave of absence, any student returning from leave who is planning to waive SHP is strongly encouraged to contact our office at as soon as their return date has been formally confirmed.

For any waiver submitted by the deadline that could meet the requirements but needs additional information for approval, the student will receive a message from Gallagher Student Health requesting additional information. After the waiver update deadline as listed above, all waivers are locked for editing. You can submit a termination of coverage request to receive a pro-rated refund.

Extension Requests (Final Rates TBA)

Graduation Status

When to Request and Pay

Dates of Coverage


August 2024 Graduates with Summer Credits

7/1/2024 - 10/31/2024

9/1/2024 - 11/30/2024

$986 - $1,015

August 2024 Graduates without Summer Credits

6/1/2024 - 8/31/2024

7/1/2024 - 9/30/2024

$986 - $1,015

December 2024 Graduates

12/1/2024- 2/28/2025

1/1/2025 - 3/31/2025

$986 - $1,015

May 2025 Graduates

6/1/2025 - 8/31/2025

7/1/2025 - 9/30/2025


For more information, see our Extension Options for Recent Graduates page.