Cost if you take SHIP
The 2026-27 premium for the Brown University Student Health Insurance Plan (SHIP) - brokered by Haylor, Freyer & Coon is $5,283 a year (student only). It is billed to your student account unless your waiver is approved.
Annual policy 8/15/2026-8/14/2027. An Early Arrival policy from 7/15/2026 costs $5,735. Brown marks the rates as pending approval by the Rhode Island Insurance Commissioner.
Waiver deadline
Submit your waiver request before the deadline above. Universities rarely accept late waivers — if you miss it, you are auto-enrolled in SHIP and billed the full premium.
Waiver requirements
According to Brown University, your alternative plan must meet these criteria (summarised — the official list is binding):
- Fully compliant with the Affordable Care Act
- Underwritten and administered in the United States
- Effective for the entire academic year
- In-network routine care within 50 miles of campus
- No pre-existing condition exclusions; unlimited benefits, no dollar maximum
- International, travel and health-share plans are not accepted
Private plans you could submit
These private US student health plans are in our comparison. None is automatically accepted — check the policy maximum, deductible, claims address and the other points above against the plan's terms before you buy:
- ISO Student Health Insurance — from $33/month
- WorldTrips StudentSecure — from $40/month
- Compass Student Insurance — from $43/month
- IMG Patriot Exchange Program
What a waiver can save
Your saving is the Brown University SHIP premium ($5,283 a year) minus the price of a private plan the university accepts. Private plans in our comparison start at $33/month ($396/year) for the youngest age band; plans that meet strict waiver criteria usually cost more. Compare the real price of the plan you would submit before you decide.
- Premium: healthservices.brown.edu
- Waiver deadline: healthservices.brown.edu
- Waiver criteria: healthservices.brown.edu