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Student Health Insurance


Per "SHIP" Student Health Insurance Plan regulations 956 CMR 8.02, a Student registered as full-time or part- time, enrolled in a degree-granting or certificate program at the BAC and taking course remotely due to COVID-19 will be required to show proof of coverage throughout the school year or be enrolled in the BAC's student health insurance plan.

With that being said, we are working with students who will not be living in the State of Massachusetts. Those of you who will be living outside of Massachusetts and outside of the United States of America will need to show proof of comparable coverage in the place in which you will be taking your classes remotely.

If you are registered for the spring 2021 classes which are being run remotely due to COVID-19, we will be permitting waivers for where you currently live and are taking your classes.

PLEASE BE ADVISED: The SHIP regulations require BAC students to provide the BAC proof that you have a Health Insurance/Benefit Plan by filling out a waiver that constitutes "comparable coverage". The instructions can be found here.

This means your health insurance/Benefit Plan must provide for you:

  1. "reasonably comprehensive coverage of health services, including preventive and primary care, Emergency Services, surgical services, hospitalization benefits, ambulatory patient services, mental health services, and prescription drugs"; and
  2. access to those covered services is "reasonably accessible to the Student in the area where the Student attends School". See 956 CMR 8.05(2)(a).

A student participating in classes remotely for spring 2021 due to COVID-19, the "area where the Student attends School" is the location where the Student is currently remotely attending classes for the relevant term. See 956 CMR 8.05 (2)(c)(3). In addition, the BAC may waive participation in SHIP if the Student is studying in a foreign country and the Student has coverage in that foreign location. See 956 CMR 8.05 (2)(c)(2).

Please note, Students may waive SHIP coverage if they have comparable coverage such as out-of-state Medicaid, out-of-state Exchange Marketplace coverage (i.e., Qualified Health Plans), out-of-state employer sponsored insurance (e.g., HMO, PPO, POS), or foreign health coverage in the area in which they are taking classes remotely.

The BAC will continue to offer student health insurance plan for those who need it as per usual. 

Eligibility and Enrollment

The state of Massachusetts requires all Massachusetts residents to have healthcare insurance throughout the school year. As defined in 114.6 CMR 3:00 Student Health Insurance Program (SHIP) Repealed 6-7-13 See 956 CMR 8: Every full-time and part-time student enrolled in a certificate, diploma, or degree-granting program of higher education must participate in his or her school's student health program OR in a health benefit plan with comparable coverage as defined in 114.6 CMR 3.05(2). Therefore all eligible Boston Architectural College students who are enrolled in an undergraduate certificate or undergraduate degree program will be billed the health insurance if they are enrolled in 6 or more academic credits. Students who are enrolled in a graduate certificate or graduate on-site degree program will be billed the insurance if they are enrolled in 4.5 or more academic credits. 
Please Note: Students enrolled in a distance or online program are not required to show proof of healthcare coverage. They are also not able to participate in the BAC's student health plan.  

To opt out of the SHIP, students must submit a health insurance waiver form showing proof of comparable coverage which will cover you by the academic semester deadline. If you intend to participate in the SHIP, we do ask that you fill out an enrollment form. If a student neither waives or enrolls, they are automatically enrolled into the student health plan once final enrollment reports are processed, after the first half semester deadline. All students enrolled in the plan will be able to download their healthcare cards once their eligible status is confirmed and reports are processed with Arthur J. Gallagher & Company. Please read below for Waiver and Enrollment instructions.

Please Note: Coverage by insurance carriers outside the U.S and coverage by foreign National Health Service programs are not deemed to be comparable to coverage under a qualifying student insurance program.

To waive the BAC Student Health Insurance Plan (SHIP)
Students who are already covered under a comparable insurance plan must submit a waiver form to opt out of the SHIP offered through the BAC. It is the student's responsibility to ensure that their insurance is adequate and the waiver form is submitted by the deadline. Before waiving coverage, be sure to check with your insurance company to determine if your current insurance plan provides coverage comparable to the important benefits included in the SHIP the BAC offers.

WAIVE or ENROLLMENT requirements:
Please follow the instructions below to waive or enroll into the BAC SHIP: 

1.  Log onto
2.  Create a user account or if a returning student, Log In entering user name and password
3.  Select "Student Waive/Enroll" (located under "Student Access" on the left side of the page)
4.  Select either the "I Want to Waive" OR the "I Want to Enroll" button

If waiving the insurance, please have your current health insurance ID card ready as you will need the following information in order to complete the waiver form:

  • The name of your insurance company, their address and phone number*
  • The policy number of your current coverage
  • The name of the policyholder
  • The expiration date (if applicable)

*Please Note,  Due to COVID-19 Students working remotely from their home country, must still show proof of health insurance coverage by filing insurance even, if it  is not U.S. based.  We are aware that our Gallagher system has limitation issues for those filling out the form with insurance from out of the Coutnry.  We ask that you follow these guidelines in completing the form.
We ask that you please  check off the "YES" box that notes that your insurance is U.S. based, even if it is from out of the country. 
We also ask that those of you  please included in the "City" line item, the name of your City/Town and the Country in which you have the insurance plan. 
For the: State" line item, please choose from the drop down:  Non US State
If you don't have a zip code, please use our zip code of 02115

6. Immediately upon submitting your online decision form, you will receive a confirmation number

Please note: International students cannot waive coverage unless they are currently enrolled in an insurance plan of comparable coverage through a United States–based insurance company.

Petitioning to be Added to Coverage due to Unexpected Termination of Alternative Insurance Plan
Many students lose insurance coverage for various reasons (with their company, when they reach the maximum dependent age under their parent's plan, etc.) while still enrolled and studying full time at the BAC. A student may petition to enroll throughout the academic year in which they are enrolled. Therefore, if you've waived the Student Health Insurance Plan (SHIP), but your alternative insurance plan unexpectedly terminates before the end of the academic school year, you may enroll late for the BAC's SHIP through the following steps:

Complete a Petition to Add form, which can be found at Print out the form and follow the instructions on the form. The insurance company must approve the change and notify us of the pro-rated fee. You will then pay the pro-rated health insurance fee to the Bursar's Office. All steps must be completed within 31 days of your previous insurance terminating. If the request is submitted after 31 days of losing prior coverage, the effective date will be the date the insurance company received the request.

For any health insurance waiver or enrollment questions, please call Gallagher at 617.770.9889 or 800.457.5599 or email the Operations Department at

Rate Fees for Academic Year 2020-2021
Blue Cross and Blue Shield

  1. Full Year Coverage

For students who are currently enrolled in the BAC's Student Health Insurance Plan (August 22, 2019-August 21, 2020), if you enroll in the 2020-2021 plan, your next coverage will be August 22, 2020 - August 14, 2021. Your rates will be:

  • Undergraduate.....$2,626.00
  • Graduate..............$3,504.00

For students who are NOT currently enrolled in the BAC's Student Health Insurance Plan, but will enroll in the 2020-2021 plan, your new coverage will be August 15, 2020 - August 14, 2021. Your rates will be:

  • Undergraduate.....$2,866.00
  • Graduate..............$3,823.00

2. Fall Only Coverage

For students currently enrolled in the BAC's Student Health Insurance Plan (August 22, 2019-August 21, 2020),  if you are registered in an onsite program and want to remain enrolled, but graduate in the fall semester and do not want to have extended coverage through spring 2021, your next coverage will be August 22, 2020 - January 14, 2021. Your rates will be:

  • Undergraduate.....$958.00
  • Graduate..............$1,277.00

For students who are NOT currently enrolled in the BAC's Student Health Insurance Plan, but graduate in the fall semester and enroll in Fall Only plan, your new coverage will be August 15, 2020 - January 14, 2021. Your rates will be:

  • Undergraduate.....$1,197.00
  • Graduate..............$1,596.00

If you'd like a Fall Only coverage, please put in a request by contacting by the start of fall 2020 classes.

3. Spring Only Coverage

For students registered for Spring semester only, the coverage will be January 15, 2021 -  August 14, 2021. 

  • Undergraduate........ $1,674.00
  • Graduate....... $2,232.00

To be approved for the Fall or Spring Only option, please contact the Operations Department directly for approval verification by emailing or