Department of Student Affairs - Health Insurance Requirements

All ATSU residential students are required to have active health insurance coverage. To ensure that students have access to a comprehensive health insurance plan, ATSU has chosen Aetna Student Health (ASH) as the medical plan provider for the 2026/2027 student health plan. All students must enroll in the student-sponsored health plan or provide proof of other acceptable health coverage through the waiver submission process.

Gallagher Student Health and Special Risk is the group administrator for the Student Health Insurance Plan (SHIP) and will verify waiver information to ensure all students are in compliance with A.T. Still University health insurance requirements. As the group administrator Gallagher will assist students with plan questions, address changes, claims assistance and obtaining ID cards. For more information on details of the plan, University requirements, enrollment, or completing the waiver process; please visit gallagherstudent.com/atsu.

All residential students MUST be covered by an ACA compliant domestic health insurance plan for the entire academic year, including summer and holidays.

ACA-compliant domestic health insurance plans must include the following benefits to qualify for a waiver:

• Prescription coverage
• Mental health coverage
• Preventative and annual wellness care
• Ambulatory patient services
• Emergency care
• Hospitalization coverage
• Pregnancy, maternity, and newborn care
• Rehabilitative and facilitative services
• Laboratory services

Plans cannot deny coverage based on a pre-existing condition

Unlimited Major Medical Coverage (no limit to benefits)

Must include out of pocket maximums

**Short-term health insurance policies, traveler’s plans, share plans, or plans originating outside of the United States will not be accepted as part of the waiver process