All students enrolled at Bates are required to have health insurance and must provide annual proof of coverage. Students may elect coverage under their own insurance, through their employer or their parents’ policies, or through the Bates Student Health Insurance Plan (SHIP). The cost of coverage through the SHIP for the full 12 months is $2,447. For students who are not enrolled (on campus or abroad) for the fall semester and enroll in the SHIP for January, the premium is $1,515.
To ensure that students have adequate coverage, the college requires students to either enroll in or waive out of the Bates SHIP by completing the Health Insurance enrollment/waiver process accessed through the Garnet Gateway and administered by Wellfleet Insurance Group. The enrollment/waiver process for the 2024-25 academic year closes on the following dates:
- Domestic continuing students – May 22, 2024
- Domestic entering students – May 31, 2024
- Domestic students not enrolled (on campus or abroad) for fall – December 30, 2024
Please note that international students are automatically enrolled in the Bates SHIP.
Students who elect the Bates SHIP or are required to enroll in the plan will be billed the cost of the SHIP in September (students enrolled for the fall semester) or January (students enrolled for the winter semester.) Students receiving need-based financial aid from Bates may qualify for a full or partial grant subsidy, depending on their family’s Bates-determined contribution, to help offset this cost.
Students who receive financial aid and have an expected contribution of $15,000 or less will receive a full subsidy, while students with an expected contribution between $15,000 and $40,000 will receive a 50% subsidy. No subsidy will be provided when the expected contribution exceeds $40,000. Please note that the expected contribution appears as “estimated remaining costs” on the Bates financial aid award offer provided by Student Financial Services.
Students who take no action and do not complete the mandatory enrollment/waiver process will automatically be enrolled in and charged for the cost of the SHIP – there will be no refunds or reversals of charges.
Additional information about the Bates SHIP is available through the following resources: