Requirement Overview

All KCU students, regardless of their program of study, are required to maintain personal health insurance while enrolled as a student. 

Insurance Options

Students must either enroll in the student health plan provided by Wellfleet or provide proof of other acceptable coverage to get a waiver. Students may fulfill this requirement through one of the following:

• Wellfleet: Students may choose to purchase a health insurance policy directly through Wellfleet.
• Health Insurance Marketplace: Students may purchase policies through healthcare.gov.
• Private Carriers: Students may obtain coverage through other independent insurance companies.

International Students

International students must purchase their health insurance through the university-designated student plan.  For 2025 –2026, the university-designated student plan is provided by Wellfleet. Canadian students are also required to meet this standard, as Canadian Health Service policies are not accepted as valid coverage at KCU.

Minimum Coverage Standards 

If students choose to waive the university-designated plan, their personal policy must meet the following minimum requirements:

• U.S. Based: The insurance company must be based and operated within the United States.
• Local Access: The plan must provide in-network coverage in the state where you reside while attending classes.
• ACA Compliant: The policy must be a fully Affordable Care Act compliant plan.
• Comprehensive Care: Coverage must include chronic and acute health issues, emergent care, and catastrophic events.
• Exclusions: Policies that only cover catastrophic events or those provided through health care co-ops do not qualify for the waiver.
• Medicaid: State-specific Medicaid is only acceptable if it provides coverage in your current state of residence while attending KCU.

Waiver Process & Deadlines

All students are considered to be in need of coverage until an acceptable waiver is provided. Students have not met the requirement to have insurance until they procure insurance through Wellfleet or meet the requirements for a waiver.

• Submission: To waive the university plan, students must submit their proof of insurance through the Wellfleet online portal.
• Annual Verification: Details regarding enrollment and waiver periods are communicated annually via email and Canvas.

Important Notices & Liability

• Financial Responsibility: Students are solely responsible for all incurred medical expenses. KCU assumes no liability for student’s healthcare costs. Students must ensure their chosen policy remains active and provides full financial protection, including coverage for catastrophic events and clinical injuries.
• Verification Disclaimer: KCU reserves the right to investigate and verify student coverage status at any time to ensure eligibility requirements are met.

KCU-COM has partnered with American International Group Inc (AIG) to provide supplemental medical insurance coverage for all COM students. This supplemental accident insurance policy assists in covering medical expenses incurred by students during KCU-related activities that are not covered by the student's personal medical insurance. Please note: This coverage does not replace a personal medical insurance policy.

Students are required to maintain personal medical insurance coverage throughout their enrollment. As with every insurance policy, exclusions apply. If a needle-stick injury or other exposure occurs in the first or second year, please contact Student Affairs to inquire if the incident qualifies for this coverage and assistance filing a medical claim. If a needle-stick injury or other exposure occurs during clinical training in years three or four, please contact the Department of Clinical Education.