About SHBP
The Office of Student Health Benefits (OSHB) administers health, dental, vision, and pharmacy benefits, and enrollment for all eligible University of Minnesota (UMN) students, graduate assistants, residents, fellows, and interns.
The University of Minnesota’s Student Health Benefits Plan (SHBP) is a cost-effective, comprehensive health plan designed to meet the unique needs of UMN students.
With access to thousands of providers and hospitals in BlueCross BlueShield of Minnesota's worldwide network, the SHBP provides students with year-round coverage in-network with a variety of medical facilities on and near the UMN campus. The SHBP puts students' needs first and travels with you when you need to access healthcare outside of Minnesota.
Key plan features:
- 100% coverage of preventative care
- $250 deductible
- 80% coverage of eligible expenses after meeting the deductible
- Access to the Blue Cross and Blue Shield of Minnesota worldwide network
- Preventive and periodontal dental benefits for the primary member (student) - additional coverage can be purchased through the Dental Buy-Up Plan
- Year-round coverage
Health Coverage Declaration
Eligible students are automatically enrolled in the University-sponsored Student Health Benefit Plan (SHBP) unless they use the online Health Coverage Declaration to waive coverage. You are eligible to waive enrollment from this plan if you have other health insurance for the entirety of the semester. If you do not appropriately waive the SHBP by September 25, 2025, you will be enrolled and billed the associated premium for the entire semester. Approved waivers are valid for one year.
Contact Information
| Question Topic | Contact |
|---|---|
For questions about:
| Contact the Office of Student Health Benefits 612-624-0627 or 1-800-232-9017 |
For questions about:
| Contact Blue Cross and Blue Shield of Minnesota 651-662-5004 or 1-866-873-5943 |
Plan Year Dates & Costs
2025-2026 Coverage Dates
| Term | Dates |
|---|---|
| Fall | 08/25/2025– 01/19/2026 |
| Spring (includes Summer term) | 01/20/2026 – 08/23/2026 |
| Summer | 05/18/2026 – 08/23/2026 |
Dental Plan Coverage Dates
| Term | Dates |
|---|---|
| Fall | 09/01/2025– 01/31/2026 |
| Spring (includes summer term) | 02/01/2026 – 08/31/2026 |
The Student Health Benefit Plan (SHBP) is billed on a semester basis.
Fall 2025 and Spring 2026 Semesters
| Coverage for | Spring/Fall '25-26 | Summer Term '26 |
|---|---|---|
| Student | $1,795/semester | $915/semester |
| Spouse | add $2,416/semester | add $1,231/semester |
| One child | add $1,870/semester | add $953/semester |
| Two or more children | add $2,838/semester | add $1,446/semester |
| Family (Student, Spouse & Two or more children) | $7,049/semester | $3,592/semester |
Eligibility
Eligible students must be:
- Admitted to a University of Minnesota degree program
- Registered for six or more credits that count toward the automatic assessment of the Student Services Fee (SSF)
Students who meet both of these criteria are automatically enrolled in the University-sponsored Student Health Benefit Plan (SHBP). Students may choose to waive (opt-out of) the SHBP by providing proof of enrollment in an alternative eligible health insurance plan.
Please be aware that requesting OneStop to add the Student Service Fee (SSF) to your student account will not make you eligible for enrollment in the Student Health Benefit Plan. The SSF must be automatically assessed based on your registration.
Students are not eligible if using:
For eligible credit information, please visit the One Stop Fees page.
Please contact the Office of Student Health Benefits with questions about eligibility for the Student Health Benefit Plan.