Opt-Out

If you do not want the Student Health Insurance Plan, you must decline or opt-out of coverage by submitting a waiver. You may only opt-out of coverage during the following Waiver Periods:

Domestic Students

All undergraduate students registered for at least half time or greater are required to have health insurance coverage and will be automatically enrolled in and charged for the Student Health Insurance Plan unless proof of comparable coverage is provided. 

You may request to waive out of the Student Health Insurance Plan (SHIP) if your alternate insurance health plan meets the following requirements:

• Coverage is active
• Provide the Essential Minimum Benefits required by the PPACA with no annual limits. A list of the Essential Minimum Benefits can be found here: https://www.healthcare.gov/glossary/essential-health-benefits/.
  • Contain no exclusions for pre-existing conditions.
• Covers 100% of Preventive Care as defined by the PPACA. A list of these preventive services can be found here: https://www.healthcare.gov/coverage/preventive-care-benefits/.

NOTE: The following plan(s) will NOT be acceptable for waiver approval:

• Healthcare Sharing plans.
• Off-shore insurance plans
• Short-term (limited benefit) plans
• Sickness and accident-only plans
• Plans with pre-existing condition limitations
• Out of state HMOs

If your alternate coverage meets the above minimum requirements, submit electronic copies of the following document(s) with your online waiver request:

• An electronic copy of the front and back of your health insurance ID card indicating the student as a covered member.

DOMESTIC STUDENTS: CLICK HERE TO WAIVE OR ENROLL IN THE STUDENT HEALTH INSURANCE PLAN

Waiver requests MUST be submitted no later than August 15, 2026 to be considered.

International Students

All international students are required to enroll in Lake Forest College Student Health Insurance Plan (SHIP) unless a waiver is submitted and approved. The cost of the insurance coverage is not included in your tuition or fees and will appear as an additional charge on your account.  International students can request a waiver to SHIP but must demonstrate that they have equivalent, alternative health insurance coverage. In order to be approved for a waiver, your alternative health coverage must meet or exceed the requirements as set forth below and be submitted prior to the August 15, 2026 waiver deadline.  Notification of acceptance or rejection of this request will be sent to your school email within seven business days.

• The alternative coverage must meet the following minimum requirements:
  • Provide the Essential Minimum Benefits required by the PPACA with no annual limits. A list of the Essential Minimum Benefits can be found here: https://www.healthcare.gov/glossary/essential-health-benefits/.
  • Contain no exclusions for pre-existing conditions.
  • Covers 100% of Preventive Care as defined by the PPACA. A list of these preventive services can be found here: https://www.healthcare.gov/coverage/preventive-care-benefits/.
  • Medical evacuation coverage amount is no less than $50,000.
  • Repatriation coverage amount is no less than $25,000.
• If your alternate coverage meets the above minimum requirements, submit electronic copies of the following documents with your online waiver request:
  • An electronic copy of the front and back of your health insurance ID card indicating the student as a covered member.
  • An electronic copy of your complete policy, including coverage amounts, exclusions, and limitations in English using US dollars.
  • A scanned copy of your medical evacuation and repatriation coverage (if you have this coverage).

NOTE: The following plan(s) will NOT be acceptable for waiver approval:

• Healthcare Sharing plans.
• Off-shore insurance plans
• Short-term (limited benefit) plans
• Sickness and accident-only plans
• Plans with pre-existing condition limitations
• Out of state HMOs

INTERNATIONAL STUDENTS: CLICK HERE TO WAIVE OR ENROLL IN THE STUDENT HEALTH INSURANCE PLAN