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Enroll or Waive U-SHIP

Announcements and COVID-19 Information

  • The U-SHIP enrollment/waiver site for Spring Quarter is now open. Only new students for Spring Quarter, as well as students returning Spring Quarter after a temporary leave, are eligible to enroll/waive U-SHIP at this time. The deadline to take action to enroll/waive U-SHIP is Friday, April 7th at 12 noon CST. Students who do not take action by this deadline will be default enrolled in U-SHIP for the remainder of the policy year (through 8/31/23) and the quarterly premium will remain on the student account. To enroll/waive U-SHIP please click here.
  • Effective 9/1/21, U-SHIP enrollment is required for all PhD students at the University of Chicago. As such, PhD students are not eligible to waive U-SHIP with comparable coverage. Individual student premiums will be paid for PhD students at no cost to them.
  • UnitedHealthcare StudentResources (UHCSR) has issued new information on coverage related to COVID-19. More information can be found on UHCSR's FAQ page.

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 quarterly.

Effective 9/1/21, U-SHIP enrollment is required for all PhD students at the University of Chicago. As such, PhD students are not eligible to waive U-SHIP with comparable coverage. Individual student premiums will be paid for PhD students at no cost to them.

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

To waive U-SHIP, students must affirm that they have insurance that meets the University’s comparable coverage requirements.

The U-SHIP premium is billed on your student account in three installments, generally on the Autumn, Winter, and Spring quarterly bills. Please note, you will be automatically assessed a health insurance fee on your Bursar bill the first quarter you are registered in the academic year (see billing cycle info below); this does not mean you've enrolled/confirmed your coverage in U-SHIP. The fee will only be removed if you successfully complete a waiver. 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.

Annual Premium Summer Only
Student  $4,800 $1,050
Spouse/ Eligible same-gender domestic partner $4,800 $1,050
Child $4,800 $1,050
Two or more children $9,549 $2,090
Spouse/ Eligible same-gender domestic partner + two or more children $14,295 $3,130
  • If your first quarter is Autumn, you will be assessed three installments on your Bursar bill (Autumn, Winter, Spring quarters).
  • If you first quarter is Winter, you will be assessed two installments on your Bursar bill (Winter and Spring).
  • If your first quarter is Spring, you will be assessed one installment on your Bursar bill (Spring).
  • U-SHIP coverage continues through to August 31st but students do not pay a summer premium unless summer is your FIRST and/or ONLY quarter of registration at the University.

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) 30% (plan pays 70% of usual and customary after deductible has been met)
Co-pay for doctor/specialist visit Specified dollar amount you pay for certain covered medical expenses $20 per visit + 10% co-insurance of claimed amount Co-insurance and deductible apply
Co-pay for psychotherapy with providers outside UChicago Student Wellness Specified dollar amount you pay for psychotherapy received outside of UChicago Student Wellness.

$10 per visit for providers on the UChicago Student Wellness community provider list. (Contact Student Wellness for more information.)


$20 per visit + 10% co-insurance of claimed amount - for all others

Co-insurance and deductible apply
Prescriptions paid by co-pay Tier 1: $10; Tier 2: $25; Tier 3: $40 No Benefit

Due to a recent Illinois Department of Insurance mandate eliminating referral requirements for insurance plans like U-SHIP that are considered “Preferred Provider Organizations” (PPOs), effective September 1, 2022:

  • U-SHIP enrollees will no longer be required to obtain a referral from UChicago Student Wellness for medical or psychotherapy services outside of Student Wellness, and the $50 per visit non-referral deductible will be eliminated.
  • Eligible students are encouraged to continue to visit Student Wellness for primary care, psychiatry, health promotion, or short-term psychotherapy, and for recommendations on specialty care.  Accessing Student Wellness is a great option for students who need timely access to high-quality care at no additional cost.  For the list of services provided by Student Wellness visit:
  • U-SHIP enrollees remain eligible for the special $10/visit copay (coinsurance and deductible do not apply) for psychotherapy with providers on the Student Wellness Community Provider list. Contact Student Wellness for more information.

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). For students whose first quarter of registration is Autumn Quarter, your coverage will become effective September 1, 2022, if enrollment is received by the October 14th deadline. Coverage will continue until August 31, 2023. 

  • Booth School evening and part-time programs
  • Crown Family School of Social Work, Policy, and Practice evening and post-masters certificate programs
  • Harris School of Public Policy: Part-time Evening Master's Program
  • UChicago Professional Education Master of Science in Analytics (part-time program)
  • Graham School of Continuing Studies (following programs only):
    • Master of Science in Threat and Response Management
    • Master of Science in Biomedical Informatics
    • Returning Scholars
  • Students studying at one of the following Hyde Park seminaries:
    • Catholic Theological Union at Chicago
    • Chicago Theological Seminary
    • McCormick Theological Seminary
    • Meadville-Lombard Theological Seminary

Enrollment must occur the first quarter of registration for the year (usually Autumn Quarter) and students 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. 

Please note students in these programs are not eligible to visit UChicago Student Wellness.

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

Students who are no longer eligible for U-SHIP, (due to graduation or not returning in a U-SHIP eligible status) may enroll in Continuation Coverage for up to 3 months, provided they were enrolled in U-SHIP for 6 consecutive months before becoming ineligible. Students must enroll within 31 days of their current coverage expiring (August 31st for students enrolled in Spring Quarter U-SHIP), and may purchase one month at a time ($391 per month). Payment is made directly to UnitedHealthcare StudentResources.  

Students who purchase Continuation Coverage are not eligible to visit UChicago Student Wellness. 

To enroll in Continuation Coverage, view My Coverage in your UnitedHealthcare MyAccount. If you have questions please contact the Student Insurance Office at 773-834-4543 (press option 2) or email

Students who arrive on campus before the beginning of the University's Autumn Quarter may have a gap between their matriculation date and the start of the U-SHIP, which begins on September 1. For students who want/ need health insurance during the month of August, there is the OPTION of enrolling in coverage directly with UnitedHealthcare Student Resources.

For questions about Early Arrival enrollment, please contact the student insurance advocates at 773.834.4543 (Option 2) or

All students who are enrolled in U-SHIP have access to the UnitedHealthcare Student Resources (UHCSR) My Account, where they can view their benefits, manage their claims and balances, view their ID card, and more.

Students can activate and log into their account by following this link: If it is the student's first time logging into their My Account, they will need to select the option "Create Account".

To learn more about the UHCSR My Account, view this My Account Overview video:

For step by step instruction on how to set up their account, watch this instructional video:

Additional Information

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