Plan design comparison of SHBP and an individual plan

Compare & Save

Looking for affordable and comprehensive health coverage? Consider the University-sponsored Student Health Benefit Plan (SHBP). When compared to the individual marketplace, the SHBP has a lower premium cost and no deductible – something you can’t find on individual plans!

Basic Plan Information

  • No premium increase for 2016-17 plan year
  • 100% coverage for routine preventative care – like annual checkups and eye exams
  • Affordable Care Act compliant
  • No deductible on SHBP – all individual plans have a deductible
  • Broad local and national provider network – gives you flexibility to choose your provider
  • Access to travel assistance – includes emergency language interpretation services

Check your campus’ full benefit summary for detailed benefit information:

Coverage Options

You have many options for health coverage in addition to the SHBP, to find health coverage on the individual marketplace, visit HealthCare.gov.

Also, depending on your income, family composition and tax filing status, you may be eligible for subsidies. Learn more.

Dates

Spring semester 2017 coverage is from January 17, 2017 through August 20, 2017. The deadline to enroll for a January 17 start date is February 2.

Need coverage beginning January 1? Indicate you would like to enroll for January 1 on your enrollment form and submit form by December 31. If you begin coverage January 1, there will be an additional prorate of $166.50.

Cost

To begin January 1, 2017:
Student only $1165.50/semester
Spouse Add $1,722/semester
One child Add $1,267/semester
Two or more children Add $1,813/semester
To begin January 17, 2017:
Student only $999/semester
Spouse Add $1,476/semester
One child Add $1,086/semester
Two or more children Add $1,554/semester

Eligibility

Students who are: 1) admitted to a degree program; and 2) registered for six or more credits per semester that count towards the automatic assessment of the Student Services Fee; are required by the University of Minnesota to have health plan coverage. Students who meet both of these criteria are eligible for enrollment in the University-sponsored Student Health Benefit Plan. Some credits do not count toward eligibility for the SHBP.

Prescription Coverage

If you take prescription medication, be sure to review our pharmacy formularyPDF icon to verify your medications are covered.

Enrollment

Ready to enroll? Complete an enrollment formPDF icon and submit to the Office of Student Health Benefits by February 2 for spring semester enrollment. If you would like coverage to begin January 1, please submit form by December 31.

Dental Coverage

The Student Health Benefit Plan does not include dental coverage. If you are looking for dental insurance, check out the University-sponsored Voluntary Student Dental Plan (VSDP).

Coverage dates for the VSDP are February 1, 2017 through August 31, 2017. The cost is $242.25, which will be charged to your University student account.

To enroll, complete an enrollment formPDF icon and submit to the Office of Student Health Benefits.

International Students & Scholars

International students and scholars have different eligibility and health insurance requirements. Contact our office with questions.