Middlebury requires all students enrolled full-time to be covered by a health insurance plan.

Through a partnership with Gallagher Student Health, we provide students with the option to purchase comprehensive student health insurance if they will not be covered by another plan. Only active students registered for classes at Middlebury are eligible to enroll in the Gallagher Student Health insurance plan.

2021–2022 Student Health Insurance Plan

In July 2021, students enrolled for the fall semester received an email sent to their Middlebury email accounts from Gallagher with instructions for how to enroll in or waive enrollment in the 2021–2022 student health insurance plan. To enroll or waive coverage, follow the instructions in the email to complete the decision form.  Please contact Student Financial Services at sfs@middlebury.edu if you need the Gallagher information resent to your Middlebury email.

Feb students and students returning to the College for the spring semester will receive the email from Gallagher in late October or early November with instructions for how to enroll in or waive enrollment in the spring student health insurance plan.  

Plan Costs and Coverage Dates

  • The cost of the annual 2021–2022 plan is $2,471.
  • Coverage starts on August 15, 2021, and ends on August 14, 2022.
  • The deadline to enroll is October 1, 2021. 
  • A charge for the health insurance will be applied to the student’s Middlebury bill within 1-2 weeks after enrollment in the plan.

All students actively enrolled at Middlebury are eligible to purchase the insurance even if they are not living on campus. 

Students who waive enrollment for the fall semester are eligible to enroll for the spring semester only. Should a student need the insurance for the fall 2021 semester only, the cost is $1,150 and is effective August 15, 2021, to January 31, 2022. The spring 2022 semester insurance is effective February 1, 2022, to August 14, 2022, and has a cost of $1,321.

For returning students who are re-enrolling in the Gallagher insurance, please note that the Preferred Provider network changed from the First Health Network PPO network to the Cigna PPO network.

Plan Information

A Summary of Benefits and Coverage, Benefits at a Glance Brochure, Frequently Asked Questions and other information about the student health insurance plan is available on the Gallagher website. Go to www.gallagherstudent.com/Middlebury and click on “My Benefits and Plan Information” from the menu on the left.  


Gallagher Student Health provides Frequently Asked Questions and their Customer Service can be reached via live chat or by phone at 800-430-0697.