Enrollment

Open Enrollment for the MIT Student Insurance Plan (MIT SHIP) is now closed.

During Open Enrollment:

  • Eligible individuals, including eligible family members, can enroll in MIT SHIP.
  • Automatically enrolled students can ask to waive MIT SHIP coverage. Your waiver will be approved only if you can show that you have another insurance plan that provides comprehensive coverage in the Boston/Cambridge area.

Outside of Open Enrollment, you may enroll yourself or family members in MIT SHIP only under certain circumstances known as “qualifying events.”

Enrollment for regular MIT students and family members

During Open Enrollment:

If you are a full or part-time student, you will be automatically enrolled in MIT SHIP. You may also enroll family members in MIT SHIP during the open enrollment period.

How to enroll yourself or your family members in MIT SHIP:

  • Visit the Gallagher Student Health website and log in. If it’s your first time using Gallagher, you will need to create an account.
  • Complete the enrollment form for yourself, if you are not already enrolled.
  • Once you are enrolled in MIT SHIP, you can enroll eligible family members. If you are enrolling family members for the first time, you will need to upload documentation showing their relationship to you.

If you already have an insurance plan that provides comprehensive coverage in the Boston/Cambridge area — if you are covered by your parent’s insurance plan or a spouse’s plan, for example — you may request to waive MIT SHIP coverage and have the charge removed from your bursar’s account.

Outside of Open Enrollment. If you waive MIT SHIP coverage but lose your other insurance coverage during the school year, you may be able to enroll in MIT SHIP outside of the Open Enrollment period. You may also enroll family members in MIT SHIP outside of the Open Enrollment period under certain circumstances known as “qualifying events.” 

Enrollment for other MIT-affiliated individuals and family members

During Open Enrollment, or at the beginning of your MIT appointment: Eligible, MIT-affiliated individuals and family members can enroll in MIT SHIP by completing the MIT SHIP Enrollment Form for Eligible Non-Students and emailing the form to affplan@med.mit.edu.  

Outside of Open Enrollment: You may enroll yourself or your family members in MIT SHIP outside of the open enrollment period under certain circumstances known as “qualifying events.” 


How to document eligibility for family members

Spouse or partner

Spouse

Documentation needed: Marriage certificate showing your name and your spouse’s name

I-20 form international students only

Spousal equivalent or partner

A same sex- or opposite sex partner you have lived with for at least four months.
Documentation needed: Spousal equivalent enrollment form

Divorced Spouse

Documentation needed: Copy of final divorce decree signed and dated by the judge, specifically the:

  • Cover page listing the parties involved
  • Page that indicates the date the divorce or legal separation became final 
  • Page(s) that refer to health insurance, and
  • Signature page

Dependent child(ren) up to 26 years of age

Birth child

Documentation needed: Birth certificate showing child’s name and your name

Adopted child

Documentation needed: Adoption certificate showing child’s name, child’s birthdate, and your name

Stepchild

The biological or adopted child of your spouse or spousal-equivalent

Documentation needed: Birth certificate or adoption certificate showing child’s name, child’s birthdate, and your spouse’s/spousal-equivalent’s name

Child for whom you are the legal guardian

Documentation needed: Proof of legal guardianship and birth certificate

Child of any age with a physical or mental disability

That prevents the child from earning their own living

Documentation needed: Appropriate documentation as listed above for dependent child (birth child, adopted child, stepchild, or child for whom you are the legal guardian) and certification of disability

Child recognized under a qualified medical child support order

Child for whom a state court or agency has issued an order requiring a health plan to provide insurance coverage.

Documentation needed: Qualified medical child support order and child’s birth certificate