Enroll or Waive/Opt-Out of SHIP – available on 11/16/2026
Each academic year, CAS undergraduate students enrolled in nine or more are required to have health insurance that meets your school’s coverage requirements. The University of Redlands partners with Gallagher to offer a Student Health Insurance Plan (SHIP) designed to support your well‑being throughout the academic year.
Important: Waiver/Enrollment Deadline is January 26, 2027
If you already enrolled or submitted a waiver for the 26-27 academic school year, and you do not wish to make any changes, no action is needed.
If you are a transfer student in the spring, you are returning from Studying Away in the spring, or you otherwise wish to make changes, you must take action by the deadline above.
How to Waive or Enroll
Submit your waiver or enrollment by January 26, 2027.
- Go to gallagherstudent.com/Redlands
- Under “Profile,” click "Log In" and use your Redlands login credentials (same as your school email or portal login).
- Click either the “Enroll” or "Waive" button under "Plan Summary."
- Follow the instructions to complete the form.
- Once you’re done, you’ll get an email confirmation with next steps.
- Waiver Denied? Don’t stress, follow the instructions in the email to fix the issue (uploading supporting documents).
Waiver Requirements
The following insurance requirements must be met in order to waive enrollment in the University’s health insurance plan:
- The plan must be active for the entire policy year.
- The plan must meet the criteria of Minimum Essential Coverage
- Medi-Cal – Some students may qualify for health insurance coverage through Medi-Cal which meets the waiver requirements. Medi-Cal information can be found here. If you have questions about Medi-Cal, please contact the San Bernardino County Office of Health and Human Services: https://www.dhcs.ca.gov/services/medi-cal/Pages/CountyOffices.aspx
Approved waivers are valid throughout the 2026-2027 school year. If approved, students won’t need to reapply again until the 2027–2028 academic year (beginning in June of 2027).
For more information, or questions about the verification process, please visit www.gallagherstudent.com/Redlands for FAQs, plan materials and ‘Help Center’ to chat, call or email a Gallagher representative or contact Gallagher customer service at (833) 818-7086.
Please contact Teresa Webster (teresa_webster@redlands.edu) at (909) 748-8466 with any questions.