For most Cornell students, opting out of the Student Health Plan is an afterthought, just another item on an endless list of pre-arrival summer tasks. Last year, for instance, 10,695 out of 11,224 SHP waiver applications, or 95 percent, were approved without issue. This year, however, an estimated 2000 more students than normal were denied insurance waivers, and were told to pay $2,800 for the SHP, instead of the $370 opt-out fee. Many of those students had previously secured waivers without issue, and were frustrated to find themselves owing thousands of dollars they had not planned for. Their frustration is merited — it was the University that bungled this year’s waiver process.