Coverage Periods and Cost
Each year, UNC staff work to develop and offer a student health insurance plan that provides students with the best benefits for the lowest price.
The student health insurance is a silver-level plan under the Affordable Care Act. That means you pay lower out-of-pocket costs for services you receive, compared to many other health insurance plans. It provides year-round coverage at Cigna network providers across the United States. Scroll down for specific information about coverage dates and costs.
Undergraduate and graduate students should scroll down for specific information about coverage dates and costs. Coverage dates for students in the College of Osteopathic Medicine School are different and can be viewed on this page.
2025–2026 Student Health Insurance Costs & Coverage Dates
Fall 2026/Spring 2027 Premium: $1,743
If you’re automatically enrolled in UNC’s Student Health Insurance Plan, the fall premium of $1,743 will be added to your student account.
- Fall Coverage begins: August 17, 2026
- Fall Coverage ends: December 31, 2026 at 11:59 PM
- Spring Coverage begins: January 1, 2027
- Spring coverage ends: August 16, 2027 at 11:59 PM
Spring 2026 Premium: $1,743
If you’re enrolled in the spring semester, you’ll be charged $1,743 for the spring plan.
- Coverage begins: January 1, 2026
- Coverage ends: August 16, 2026 at 11:59 PM
Bonus: If you’re enrolled in the Spring 2026 plan, you’re automatically covered through the summer—even if you’re not taking summer classes.
Want Summer-Only Coverage?
If you weren’t enrolled in the spring but want coverage for summer only, you can still sign up.
- Summer-only cost: $907
- Coverage dates: May 11, 2026 – August 16, 2026
- Summer-only cost 2027: $936
- Coverage dates: May 11th, 2027 – August 16, 2027
The student health insurance plan covers you 24/7 at home or on campus, and it includes benefits for travel emergencies.
To enroll or learn more, contact the Student Health Insurance Office:
- Email: nicky.weglin@unco.edu
- Phone: 970-351-1915
We’re here to help you stay covered, wherever you are.