Cost if you take SHIP
The 2026-27 premium for the MIT Student Health Insurance Plan (MIT SHIP), BCBSMA, administered via Academic HealthPlans is $5,148 a year (student only). It is billed to your student account unless your waiver is approved.
Annual student rate, coverage Sep 1, 2026 – Aug 31, 2027 (Fall $2,145 + Spring/Summer $3,003). Care at MIT Health is covered by tuition; no separate health fee was found.
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 Massachusetts Institute of Technology, your alternative plan must meet these criteria (summarised — the official list is binding):
- ACA-compliant plan with Minimum Essential Health Benefits
- Must provide coverage in the Massachusetts area
- Must comply with Massachusetts regulation 956 CMR 8.05
- Covers all essential benefits incl. hospital, maternity, mental health, prescriptions
- Must cover you while you are in the U.S.
Visit the Massachusetts Institute of Technology health services portal →
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 Massachusetts Institute of Technology SHIP premium ($5,148 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: myahpcare.com
- Waiver deadline: mit.myahpcare.com
- Waiver criteria: mit.myahpcare.com