Health Insurance

State law requires that all students taking nine or more semester hours have health insurance (Massachusetts General Law Chapter 15A, Section 18). A charge for health insurance will be added to the student's tuition bill unless proof of comparable insurance is provided, or unless all classes are taken online*. If you are currently taking blended courses, the waiver is required. The insurance charge can be paid with financial aid if there are enough funds remaining after tuition, fees and books have been paid. To authorize the use of your excess financial aid to purchase the insurance, request a form from Student Accounts at

*A "blended" course is one that requires you to log in and participate with the class at a specific time each week. Your course will meet on the specified day indicated on your schedule via videoconferencing, using Zoom, WebEx, Google Meet, etc. An "online" course is one that does not require you to log in at a particular time, although there will be due dates and deadlines assigned to you by your professor.


The health insurance fee may be waived if the student has comparable coverage through personal, parental, or spousal insurance (including qualified coverage through the Massachusetts Health Connector Benefit Plan or MassHealth, with the exception of certain MassHealth programs). Free health care (treatment provided at a local hospital or clinic) is not considered comparable coverage. To request a fee waiver, please visit the Gallagher web page for HCC students and follow the instructions provided.


Refunds are available only for those who withdraw from college prior to 4:30 p.m. on the last day of the add/drop period. No refund of the insurance fee will be granted for withdrawals after the last day of the add/drop period.


Detailed information regarding the student accident and sickness insurance plan can be found online.

Net Price Calculator

These calculators will help you get an estimate of the amount of grant aid you might expect to receive if you attend HCC full-time and meet all federal and state financial aid eligibility requirements.