Members have three options for participation in the WAICU Student Health Plan. Mandatory: all full-time undergrad students at participating institutions will be automatically enrolled in the program. Hard-waiver: all full-time undergrad students at participating institutions will be automatically enrolled in the program if they cannot provide proof of comparable coverage. Voluntary: all full-time undergrads can choose to participate in the program. Under mandatory or hard-waiver participation, cost of the insurance can be included in student fees or tuition and thus may be eligible for coverage by most financial aid and college savings programs. Part-time undergrad and grad students may choose to participate on a voluntary basis. WAICU was able to obtain a policy with few exclusions at a reasonably low cost.