Health Insurance
2025–2026
Naropa University student insurance plan is for full-time undergraduate students & international students only.
Naropa University is pleased to offer our students the opportunity to enroll in an affordable, comprehensive health insurance for the 2025–26 policy year. The plan features:
(underwritten by United Healthcare Insurance Company):
Fully compliant with the Affordable Care Act (ACA)
Unlimited policy year maximum
Annual deductibles: $250 per insured person per policy year In-Network:
In-Network Physician’s Office Visits covered at 100% Preferred Allowance after a $25 co-payment per visit
In-Network services generally covered at 80% preferred allowance
Prescription drug coverage with low co-payments: $25 generic, $45 brand name, $60 non-preferred brand name]
Naropa University requires all full-time undergraduate and all international students to be automatically enrolled in and billed for the Student Health Insurance Plan unless a waiver is submitted and approved by the waiver deadline of September 12, 2025. In accordance with this requirement, all students must submit a decision form indicating whether they would like to enroll in the Student Health Insurance Plan offered through Naropa University and underwritten by United Healthcare Insurance Company or waive the Student Health Insurance Plan by submitting proof of comparable coverage.
Who Is Covered?
All registered full-time undergraduates and all international students are automatically enrolled in and billed for the Student Health Insurance Plan. If you are currently insured by a plan that provides comparable coverage, you can waive enrollment.
Waiver Deadlines
September 12, 2025: The deadline to submit a waiver form for fall.
Not all plans are considered comparable, such as out-of-state Medicaid plans, certain HMOs and managed care plans.
Be sure your current insurance plan provides coverage and access to providers in Boulder, Colorado, before waiving coverage.
How Much Does It Cost?
| Undergraduate Students & All International Students | Annual 8/1/25–7/31/26 | Fall 8/1/25–1/31/26 | Spring/Summer 2/1/26–7/31/26 |
| Student | $3,614 | $1,822 | $1,792 |
| Spouse | $3,604 | $1,817 | $1,787 |
| One Child | $3,604 | $1,817 | $1,787 |
| 2 or more children | $7,208 | $3,633 | $3,575 |
| Spouse plus 2 or more children | $10,812 | $5,450 | $5,362 |
*A nominal, nonrefundable processing fee applies.
Online Waiver Process
To waive the Student Health Insurance Plan for the 2024–2025 policy year:
- Log on to: www.gallagherstudent.com/naropa
- Click on “Student Waiver/Enroll”
- Log in. Your user name is your Naropa University email address. The first time you log in, your temporary password will be your student ID number. You will be required to change your password the first time you log in.
- Complete the decision form:
- If waiving coverage, have your current health insurance ID card ready as you will need this information in order to complete the waiver portion of the decision form. You will be asked to review the information provided and click ‘submit’ to complete the process. Immediately upon submitting your Online Form you will receive a reference number. Please note and keep this information in your files.
- If enrolling, please complete the requested information. Your ID card will be available online 7-10 business days after your eligibility has been confirmed.
For more information, visit www.gallagherstudent.com/naropa.
*If a form is not submitted by the deadline, you will remain enrolled in and billed for the Student Health Insurance Plan for the entire policy year.
Questions? Contact Gallagher Student Health toll free 844-484-0091
Health Insurance Options for Graduate Students
Unfortunately Naropa is unable to provide coverage for graduate students under the Naropa student health plan due to high rise in premiums. Graduate students are encouraged to check out the Colorado Health Exchange market.
