Student Insurance

UChicago Campus


  • Summer U-SHIP enrollment will begin Tuesday, May 28 and close on Friday, July 12. 
  • Need an overview of U-SHIP? View our recorded webinar

The University requires all registered students to carry adequate health insurance to cover, among other costs, hospitalization and outpatient diagnostic, testing and surgical procedures. Additionally, the insurance must cover medical care provided in the Chicago area for both emergency and routine, non-emergency medical situations (or, if the student will not be in Chicago, it must provide this coverage wherever the student will be residing and studying during the academic year). In keeping with this requirement, each year all students registered in an insurance-required program are enrolled in the University Student Health Insurance Plan (U-SHIP). Students wishing to waive out of U-SHIP coverage must review the comparable coverage checklist and affirm possession of alternate comparable coverage before the enrollment/waiver deadline. Students who do not enroll in or waive the student insurance plan by the deadline will by default be enrolled in U-SHIP and remain enrolled in U-SHIP through the end of the plan year, and thus will be responsible for the annual premium, which is billed in three installments.

For further details on the policy, please refer to the Student Manual.

The U-SHIP premium is billed on your student account in three installments, generally on the Autumn, Winter, and Spring quarterly bills. Regardless of which quarter a student enters the University, the Spring Quarter premium provides coverage from the start of Spring Quarter through August 31. Students whose first quarter of enrollment is Summer Quarter will be billed for that period’s premium on their Summer bill.

It should be noted that students in insurance-required programs are assessed a Student Life Fee each quarter which provides access to Student Health and Counseling Services (SHCS), from where students on U-SHIP must obtain referrals to seek care (per condition, not per visit) outside of SHCS. Without a referral, an additional $50 non-referral deductible will be applied for each appointment provided outside of SHCS. 

Annual Premium Summer Only
Student  $4,398 $831
Spouse/ Eligible same-gender domestic partner $4,398 $831
Child $4,398 $831
Two or more children $8,742 $1,652
Spouse/ Eligible same-gender domestic partner + two or more children $13,086 $2,473

The U-SHIP premiums for 2019-2020 (coverage September 1, 2019 - August 31, 2020) are as follows:

Annual Premium Summer Only
Student  $4,566 $885
Spouse/ Eligible same-gender domestic partner $4,566 $885
Child $4,566 $885
Two or more children $9,078 $1,760
Spouse/ Eligible same-gender domestic partner + two or more children $13,590 $2,635

The chart below indicates which quarters your student account will be charged, based on the first quarter you are registered:

First Quarter Registered in the academic year Autumn Quarter Winter Quarter Spring Quarter Summer Quarter
Autumn x x x included in spring premium
Winter x x included in spring premium
Spring x included in spring premium
Summer x

The University Student Health Insurance Plan (U-SHIP) is underwritten by UnitedHealthcare Insurance Company and is administered by UnitedHealthcare Student Resources. More information about benefits and coverage can be found at the below links. 


Description In-Network Out-of-Network
Deductible Amount you pay for medical costs, before U-SHIP begins to pay for covered services. $500 $1000
Annual out-of-pocket maximum Amount you pay out of pocket before U-SHIP pays 100% for covered health benefits, subject to any benefit maximums or limits that may apply. (Applicable co-pays and deductibles will be applied to out-of-pocket maximums.) $1500 $2500
Co-Insurance The percentage of covered medical expenses that you are responsible for.  10% (plan pays 90% after deductible has been met)
Co-pay for doctor/specialist visit Specified dollar amount you pay for certain covered medical expenses $20
Co-pay for psychotherapy with Student Counseling Services community providers Specified dollar amount you pay for psychotherapy with SCS providers. (SCS referral required) $10
Prescriptions paid by co-pay Tier 1: $10; Tier 2: $25; Tier 3: $40

If you're enrolled in one of the following programs, you can opt-in to U-SHIP by purchasing annual only coverage directly through UnitedHealthcare StudentResources (UHCSR). Your coverage will become effective the date premium is received by UHCSR or the effective date of the coverage period, whichever is later. 

  • Booth School evening and part-time programs
  • Social Service Administration evening and post-Masters certificate programs
  • Harris School of Public Policy: Part-time Evening Master's Program
  • Graham School of Continuing Studies (following programs only):
    • Master of Liberal Arts
    • Master of Science in Analytics (part-time program)
    • Master of Science in Threat and Response Management
    • Master of Science in Biomedical Informatics
    • Returning Scholars

To opt-in to U-SHIP coverage, please go to the UChicago's UHCSR website.

Enrollment must occur the first quarter of registration for the year (usually Autumn Quarter) and will remain enrolled through August 31st of that plan year. Students voluntarily enrolled in the opt-in plan are not permitted to terminate U-SHIP mid year. 

Students who have purchased opt-in coverage are not assessed the Student Life Fee and thus are not eligible to visit the Student Health Service or Student Counseling Service for a referral. Students who opt-in to U-SHIP are not required to receive a referral from SHCS prior to visiting a provider, and are not charged the $50 non-referral deductible.

For questions about opt-in (voluntary) enrollment, please contact the on-campus insurance coordinators at 773.834.4543 (Option 2) or

Upon termination of U-SHIP coverage, if a student was enrolled in U-SHIP for at least six (6) consecutive months prior to termination, that student is eligible to enroll in continuation coverage for up to three (3) months. Download the continuation form.

Students who arrive on campus before the beginning of the University's Autumn Quarter may have a gap between the date you marticulate and date that the University's Student Health Insurance Plan (U-SHIP) begins on September 1. For those who want/ need health insurance during the month of August, you may have the option of enrolling in coverage directly with UnitedHealthcare Student Resources. It's important to note that this plan is not mandatory and you are not automatically enrolled in it. To enroll by the deadline of August 21, please follow these instructions:

  1. Go to UHCSR's website
  2. Select policy year "2018-2019"
  3. Scroll down until you see Medical-Student Plan and then click EXPLORE POLICY (bottom right-hand corner)
  4. Scroll down th epage and then click ENROLL NOW (beneath Enrollment Documents, right-hand corner)
  5. Under What insurance category best describes you? select "Early Arriving Student"
  6. Complete the remaining steps

UChicagoSocial: SHCS