Student Health Insurance

Health Insurance Information

In keeping with its institutional responsibility to protect the health and well-being of our students, New Jersey Institute of Technology (NJIT) requires all full-time, domestic undergraduate students carrying 12 or more credit hours, domestic graduate students carrying a minimum of 9 credit hours, and F1 and J1 international students carrying 1 or more credit hours to maintain health insurance coverage throughout the academic year. This helps to protect against unexpected high medical costs and to provide access to quality care while they are at school or traveling abroad.

NJIT automatically charges Student Health Insurance to any registered student who meets the criteria listed below:

• An Undergraduate student taking 12 or more credits in the Fall semester.    
• Any Graduate student taking 9 or more credits in the Fall semester.    
• Any registered student with a Visa status of F1/J1.​    
• Any "New" (was not here for the Fall term) Undergraduate student taking 12 or more credits in the Spring semester.    
• Any "New"(was not here for the Fall term) Graduate student taking 9 or more credits in the Spring semester.

Coverage Details

The university provided health insurance is provided by United Healthcare. Students who are covered by the university provided insurance must Opt-in to use the United Healthcare Student Resources website in order to view benefits, obtain a digital ID card, or access other related plan details. Access to the website will become effective 24-hours after the opt-in process is completed.

Related Video:

How to Opt-In to Coverage

Obtain Health Insurance ID Card

My UHC Account Overview

Part-time Student Direct Purchase of United Healthcare Insurance

The students listed below are eligible to enroll in the United Healthcare Student Health plan voluntarily by contacting and making payment directly to UHC at customer service at (800) 767-0700.

• Part-time domestic undergraduate students carrying a minimum of 3 credit hours but less than 12
• Domestic Graduate students carrying a minimum of 3 credit hours but less than 9 credit hours
• Doctoral students carrying a minimum of 1 credit hour of Dissertation
• Students who waived yet experienced a change of life event after the closing of the waiver period
• Please note, that students enrolled in a fully online program or registered exclusively in online courses for the semester do not qualify for the Student Health Insurance.

The instructions for direct purchase of the Student Health Insurance Plan can be found in the Downloadable Instructions section of our website.

*UCAN domestic Graduate students taking less than 9 credits would have the option to have NJIT cover the Health Insurance charge which can be added to their student record with a corresponding financial aid award. For more details see the UCAN section.

UCAN Health Insurance

Under the current UCAN Agreement, NJIT will cover Student Health Insurance premiums for Graduate Student Employees who meet its criteria for governance (full-time enrollment or certification and an award for full stipend and tuition).

NJIT automatically charges the premium cost to any registered graduate student who meets the criteria listed below:

• Any graduate student taking 9 or more credits in the fall semester, or
• Any registered graduate student with a Visa status of F1/J1, or
• Any "new" (spring-incoming) graduate student taking 9 or more credits in the spring semester.

As UCAN members, NJIT will issue a credit in the form of a financial aid award to your account to cover this cost.

If you are a domestic student enrolled in fewer than 9 credits and would like NJIT to cover the cost of your Student Health Insurance premium, you must first be classified as UCAN eligible in our system, provided you meet the outlined criteria. Once you have been coded as UCAN eligible, please email the Bursar's Office to self-identify.

1. To be coded in the system as UCAN eligible while enrolled in less than 9 credits, you must:          
   
   • Request Full-Time Certification online. You must meet the criteria listed here to receive approval from GSO.

Note that Full-Time Certification is required for the processing of financial-support awards.

Email the Bursar's Office at healthinsurance@njit.edu to self-identify as a UCAN student and request the charge for Student Health Insurance be added to the account. Before the Last day to Waive Health, Insurance which is posted in the (Important Due Dates)

Once the insurance charge is on your student account, you can check if your student health insurance is active by navigating to United Healthcare Insurance Card or see the Coverage Details section for instruction accessing the UHC website.

Waiving of Student Health Insurance

The spring 2026 Health Insurance Waiver period beings December 18, 2025

and closes February 17, 2026

Students who are enrolled in the university's UHC health insurance but also have personal health plans may submit a waiver to request the removal of the university-provided coverage. The waiver process allows the university to assess whether a student's personal insurance meets the standards for waiver approval. Confirmation of a waiver cannot be determined unless the student completes this process within the waiver period.

Please note,F1/J1 Visa students who are not part of the Approved Sponsor listing are prohibited from waiving the Student Health Insurance.

Before starting the waiver process, please review the provided waiver instructions available in PDF or video format, as well as the Waiver Notations below.

Waiver Process Instructions (PDF)

Waiver Process Instructions (Video)

Waiver Notations

Start the Waiver Process

• To complete the waiver process, please ensure you have your 8-digit student ID number, date of birth, and a copy of your insurance card readily available.
• The waiver can only be submitted if the “Health Insurance Premium” charge appears on your student account and may require 48 hours from the posted date to be recognized in the UHC system. You may verify this by checking your Student Payment Portal and Account Activity Description and dates.
• Upon submission of the waiver, students should monitor their NJIT email for communications from United Healthcare (UHC). UHC will notify you regarding the status of your waiver within 48-72 hours.
• Once approved, the “Health Insurance Premium Waiver” will offset the charge on your account. If this adjustment results in an overall credit balance, a refund will be issued.
• If it is determined that your insurance coverage does not meet the criteria for acceptable coverage, the waiver will be denied. In this case, you will have the opportunity to appeal the decision through United Healthcare.
• Applicable First-time students starting in the spring will incur a spring term "Health Insurance Premium" charge for the remainder of the academic year. Those applied the spring application are the only ones who can submit waiver during the spring term.
• This process occurs annually. The health insurance coverage and waiver are valid for one year and will expire at the end of the academic year. It will be available again at the beginning of the next academic year (fall term), including for those who were charged the premium during the spring term

Please Note: Students will be held responsible for the health insurance charged on their student account if the waiver or appeal was not submitted or approved by the deadline, no exception.

If you have further questions regarding this process or waiver eligibility, please email healthinsurance@njit.edu or call the Bursar’s Office at 973-596-2877.

If you have any questions regarding your waiver verification please email UHC at wverification@uhcsr.com.

Please Note: The full Videos | UnitedHealthcare Student Resources provides instructions on how to utilize their system.