Health Insurance

Holy Cross College encourages all students to have adequate health insurance, and has partnered with United Healthcare to provide an affordable insurance plan. All students must either enroll or waive the Gallagher health insurance plan. The deadline by which you must either waive or enroll is August 1st.

CLICK HERE to find the waiver and all the information about the health insurance offered by United Healthcare.

To opt out of this coverage, students must show proof of valid insurance coverage and fill out the online waiver.

Please note that to be considered “adequate,” the student’s plan must be based in the United States, be fully compliant with the Affordable Care Act (ACA/PPACA), and 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.

If you have questions about health insurance and need assistance in 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 individuals and families can learn about and enroll in health insurance plans. Call them at 1.855.88.SJMED (1-855-887-5633) to make an appointment or email at There is no fee for their services.