Whoa didn't think about health insurance.
That's probably because your parents already have it. You only need SHIP if you don't already have health insurance (fill out the waiver, which is available in July, or they'll charge you!). If not, you're paying the $1500 (unless you still qualify for SCHIP--some states give SCHIP, free or low cost insurance, to "children" as old as 20--or are poor enough for Medicaid). Why don't you have health insurance? If your parents are between job(s), tell them to get COBRA or try to find cheap short-term insurance until they get into the new plan. If your parents have job(s) and still don't have health insurance, they may be eligible to buy (the money's taken out of their pay, just like it was a tax or retirement contribution), even if they're part time, health insurance through their employer. It'll likely be cheaper than SHIP and the whole family will be covered, something you probably want (your 40/50 something parents need health insurance a whole lot more than you do!).
Criteria for a plan to pass Cornell's requirements and get you out of paying for SHIP:
be provided by a company licensed to do business in the United States, with a US claim payment office and US phone number</p>
<h1>provide coverage in the Ithaca area for outpatient and inpatient medical care. (A policy that provides coverage in the Ithaca area on an emergency care only basis does not meet this requirement.)*</h1>
<h1>provide coverage in the Ithaca area for outpatient and inpatient mental health care *</h1>
<h1>have a maximum benefit of at least $500,000 per year</h1>
<h1>remain in force as long as you are a registered student at Cornell</h1>
<h1>cover pre-existing conditions