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College of St. Scholastica

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Waive Your School's Insurance

Welcome to the Waive Your School’s Insurance Center!

This page is for those students who wish to opt-out (waive) out of the coverage under their school’s student insurance plan. The school’s student insurance plan can only be waived if the student has coverage under another acceptable insurance plan.

The first step to waive out of your school’s student insurance coverage is to verify that you are an eligible student.


2022-2023 Waiver Information

Hard Waiver Student Eligibility

  • All full-time Domestic Undergraduate Students taking 9 or more credit hours at the Duluth Main Campus and Duluth Health Science Center
  • All Domestic Graduate Students taking 6 or more credit hours who are enrolled in Occupational Therapy, Physical Therapy, Athletic Training, Physician Assistants, and Exercise Physiology at the Duluth Main Campus and Duluth Health Science Center
  • All International students regardless of credit hours at the Duluth Main Campus and Duluth Health Science Center

Are automatically enrolled in this insurance Plan unless proof of comparable coverage is furnished.

Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased. Home study, correspondence and online courses do not fulfill the Eligibility requirements that the student actively attend classes.

Begin the waiver process by following the instructions below.

Hard Waiver Student Waiver Instructions

Waiver Deadlines:

  • Annual Deadline Date –9/28/22 – Closed
  • Spring/Summer Deadline Date –2/15/23 (For new incoming students)

You may waive coverage under this plan if you have health insurance that meets all of the University plan requirements and is approved by the university.


International Students – Click here to view a checklist to see if your insurance will meet the College of St. Scholastica insurance requirements.

Open Enrollment/Waiver Periods

If you are a student in the Fall semester and eligible to purchase coverage and you choose not to enroll/waive coverage before the Annual Enrollment/Waiver Deadline of *September 28, 2022, you will not be eligible to enroll/waive again until the start of the next Fall semester.

*For new students and their dependents in the Spring semester, your open enrollment deadline is February 15, 2023.

Qualifying Life Event

Students who did not enroll themselves or their dependent(s) during the open enrollment period may be able to enroll in the policy if they experience a Qualifying Life Event.

Qualifying Life Events include:

  • Acquiring a new family member
  • Marriage/Civil Union
  • Divorce
  • Loss or change of Job
  • Expiration of Benefits

If you and/or your dependents meet the requirements for a Qualifying Life Event, you will need to provide the following:

  • Proof of qualifying life event/proof of involuntary loss of coverage
  • Enrollment Form
  • Payment

All documents and payment must be received within 30 days of the qualifying life event. After 30 days, the student or dependents will no longer be eligible to enroll in the plan, until fall of the following school year.

Please Contact Us for cost and enrollment information as a Qualifying Life Event.

If you have any questions about the waiver process, please call 800-505-4160 or CONTACT US

We are always happy to help in any way.

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