No.
Tuition and Fees 2012-2013
Harvard University Student Health Plan (HUSHP)
Student Health Fee $930
Student Health Insurance Plan $2,168
Blue Cross Blue Shield Hospital/Specialty and Medco Prescription Drug Coverage
Students with other health insurance may be eligible to waive one or both parts of HUSHP coverage. Waiver requests must be submitted online by August 31 for the fall term and by February 28 for the spring term. For details about HUSHP coverage and the online waiver visit www.huhs.harvard.edu/Insurance/Students.aspx.
Under Massachusetts state law, students must have health insurance. But if they don't have to use Harvard's plan if they show they're on their parents' plan.
Also, Harvard does not offer merit-based scholarships. They offer need-based financial aid; the cost of health insurance is factored in to the “cost of attendance” that is used to calculate a need-based financial aid package.
Actually, yes. Four years was more than $10,000; their health plan did NOT meet Harvard’s minimum requirements (in one case, didn’t cover maternity, in another had too high of a deductible) and they were both required to use the Harvard plan, which is NOT covered by the needs based scholarship.