Student Affairs Resource Website

Health Insurance

Washington state law prohibits us from requiring health insurance. However, we strongly recommend that you obtain health insurance while a student at UWSOM. There are a number of options and those vary by regional campus.

Insurance options

Coverage through family: Students under 26 years old and covered by a parent’s health insurance can remain on their parent’s plan. Students on a spouse or partner’s employer’s insurance plan can remain on that plan.

Medicaid is an option in most states. Please be aware that Medicaid insurance may not be portable to states other than your home state except in the event of an emergency and, in some cases and with prior plan permission, urgent care.

Private insurance: You may also purchase private insurance. Our financial aid office will increase student award packages if students want to purchase health insurance, with the full cost of the premiums added to your financial aid package.

If you purchase private insurance, check to see if you will have coverage out of your home state. This is especially important during clerkships, as most students complete some clerkships outside of their home state.

November through mid-December of each year is open enrollment for many health insurance plans.

Non-Washington students: Students in Wyoming, Alaska, Montana and Idaho have the option of purchasing a Student Health Insurance Plan (SHIP). For all of these states except Idaho, the SHIP plan can continue through clerkships that cross state lines. This is an outstanding option and we urge you to sign up for a SHIP if that is an option.

Please refer to the Student Handbook for information regarding health insurance options in each WWAMI state.

Washington State students: Students needing to purchase health insurance can go through the Washington State marketplace. Some students may qualify for low-cost options through Apple Health, Washington State’s Medicaid program. Enrollment in Apple Health can be done any time of the year and is not subject to an annual open enrollment period. If you choose Apple Health, recognize that this benefit is intended to be used while you are living in Washington State and coverage for anything but emergency care may not be available out of your home state.

For more information about health insurance for UWSOM medical students from representatives of the Washington Health Exchange at a March 31, 2020 webinar, view the recording and webinar slides.

Resources:

Hall Health on UW Main Campus offers two websites for UW students who want to learn more about health insurance options as a UW student. Essential Information and Affordable Care Act FAQ.

Hall Health Center – UW Main Campus

If you are enrolled in private insurance through the Washington Health Benefit Exchange, Hall Health is contracted with these three plans:

  • BridgeSpan
  • Molina Healthcare
  • Community Health Plan of Washington (CHPW-HIX)

If you are enrolled in  Medicaid (aka Washington Apple Health), please be aware that Hall Health is contracted with these three plans:

  • Amerigroup Washington (AMG)
  • Molina Healthcare of Washington (MHC)
  • Coordinated Care Corporation (CCC)

If you are in Seattle for class or rotations, you have access to Hall Health Center and there are some free services you are entitled to: