Domestic student health insurance

What you need to do

As a new or returning full-time domestic undergraduate student, you must either submit a health insurance waiver or enroll in the University-sponsored plan.

Option 1: Submit a health insurance waiver

If you already have your own health insurance that meets acceptable coverage and do not wish to be enrolled in the University-sponsored plan:

  • Submit your waiver on the .
    • Deadline: September 30, 2025
    • Be sure your current insurance is active, and have your insurance card ready to provide the insurance company information, policy holder information, and the ID # and group # of your active policy
      A sample health inurance card showing insurance company and policy holder information on the front and back of the card
    • All waivers will be verified by our health insurance broker, Haylor, Freyer & Coon.
    • All students are responsible for knowing the limitations and special considerations of their respective health plans.

Option 2: Enroll in the University-sponsored plan

If you want to be covered under Binghamton鈥檚 plan:

Reminder: Even if you previously submitted a waiver, this is an annual process. You must complete the waiver each academic year to avoid being enrolled and billed. The cost of this plan will be listed on your bill until a waiver is approved or the amount is paid in full.

Contact our health insurance broker with questions:

Haylor, Freyer & Coon
866-535-0456
student@haylor.com