• Student health plans

  • MIT Student Medical Plan
  • MIT Student Extended Insurance Plan
  • Waiver FAQ
  • International Students
  • Family Members

  • After Graduation

  • Rates
  • Referrals
• Employee health plans
• Affiliate health plan

Insurance after graduation

As your final year at MIT comes to an end, you have a lot to do, think about, and plan for. But don’t forget about health insurance! Your MIT Health Plan coverage continues through August 31, but now is the time to plan for what comes next, especially if you’re planning to stay in Massachusetts, where health coverage is required by law.

You may be able to get health insurance…

• Through an employer:
  If you will be working at a job that offers health insurance coverage, you’ll simply transition to your employer’s health plan.
  
  
• Through a school or university:
  If you will be going to graduate school in the fall, you can transition to the student health plan offered by the school you will be attending.
  
  
• Through your parents’ family plan:
  Under the Affordable Care Act, most young adults can be covered through their parents’ health insurance plan until they turn 26. You can get this coverage whether you’re married, living with your parents, in school, or financially independent. For more information on how to stay insured, call the customer service number for your parents’ insurer to find out if you’re eligible to remain on their policy or how you can enroll if you’re not already covered. Get answers to frequently asked questions about the Affordable Care Act or visit the “Young Adult Coverage” Facebook page.
  
  
• On your own:
  MIT graduates who need to buy their own health insurance coverage may want to consider one of these options:
  
  
  • Massachusetts Health Connector Young Adult Plans: These low-cost plans are available to Massachusetts residents ages 18–26.
    
    
  • Blue Cross Blue Shield of Massachusetts (BCBSMA) non-group/direct-pay insurance plan: If you’re enrolled in the MIT Student Extended Insurance Plan and plan to remain a Massachusetts resident after graduation, you may be able to enroll in a non-group/direct pay insurance plan offered through BCBSMA, but you must apply before August 1 for your new coverage to be effective starting September 1. Learn more or call 800-822-2700.
    
    
  • Search for options in your local area: This online tool can help you find insurance options throughout the U.S. and access a personalized list of private insurance plans, public programs, and community services.

MIT Student Extended Insurance Plan members will get two documents in the mail from BCBS: a reminder that your insurance coverage will be ending soon and a “certificate of health plan coverage.” You may need this certificate as proof of prior coverage when applying for coverage with a new health plan. Please update your address with MIT Medical’s Health Plans Office as soon as possible, so you can be sure to receive these documents.