Holy Cross College encourages all students to have adequate health insurance and has partnered with United Healthcare/Gallagher Health Insurance Plan to provide an affordable insurance plan. All students should either enroll or waive the Gallagher health insurance plan. The deadline to either waive or enroll is September 15 for the 2026-27 academic year.

Click here  to find the waiver and information about the health insurance offered by United Healthcare/Gallagher Health Insurance Plan.

What does “adequate health insurance” mean?

To be considered “adequate,” the student’s plan should be:

• Based in the United States
• Fully compliant with the Affordable Care Act (ACA/PPACA)
• Offer access to emergency and non-emergency services in and around the South Bend, IN area

As a religious institution, we have arranged for our plan to contain a religious exemption allowing it to support our Catholic faith tradition.

Your questions answered

If you have questions about health insurance and need assistance enrolling in a separate plan, Saint Joseph Health System Health Insurance Services provides our community with three convenient resource centers staffed with licensed insurance specialists where you can learn about and enroll in other health insurance plans.

Call them at 1-855-887-5633 to make an appointment or email [email protected]. There is no fee for their services.