All the information you need about getting health care through U-SHIP can be found on the U-SHIP Insurance Plan site. Updated 2026-27 coverage, co-payments and deductibles will be available and posted in the summer. The Frequently Asked Questions section of the website may be very useful to you.

Once you create your cNet ID, you can ACTIVATE YOUR U-SHIP INSURANCE.

If you have specific questions about your new health insurance policy, you can contact United Health Care's representatives on campus: Call (773) 834-4543 (press Option #2) or email uchicagoadvocates@uhcsr.com. 

This is an overview of what is covered through UChicago Student Wellness services, and what will be covered through U-SHIP insurance. There is a a helpful video to explain the use of U-SHIP and insurance-related terminology that you will want to know when you start using the insurance.

All registered students must have health insurance; therefore, students are automatically enrolled in the University Student Health Insurance Plan (U-SHIP). TTIC covers the costs of maintaining insurance coverage all year.

To waive U-SHIP, you must provide proof of alternate comparable coverage before the enrollment/waiver deadline—Friday of week 3 of autumn quarter (October 16, 2026). Waiving insurance can be completed here.

You must provide complete policy information on the waiver application: name of policy holder, policy and subscriber numbers, a US telephone number, as well as information on the benefits provided by your plan. This should be provided via the waiver form, and must be submitted to TTIC as well.

The alternate insurance plan must provide comparable coverage to U-SHIP. (Check the U-SHIP site's "Waiving U-SHIP/Comparable Coverage Checklist"). Waivers will be denied if plans do not provide comparable coverage. For instance, a plan must:

• have an annual out-of-pocket maximum of = < $9,200; family plans must be =/< $18,400

• provide routine and emergency care in the Chicago area (or the local area where the student will be residing and studying for the academic year)

• offer treatment for pre-existing conditions (with no waiting periods or exclusions)

• provide essential health benefits as defined by the Affordable Care Act (ACA):

  • • • • outpatient care (ambulatory patient services)

        • emergency services

        • hospitalization (treatment for inpatient care)

        • mental health services and addiction treatment

        • prescription drugs

        • maternity and newborn care

        • rehabilitative services and devices

        • laboratory services

        • inpatient mental health care

        • preventive services, wellness services, and chronic disease treatment

        • coverage for medical evacuation and repatriation expenses

        • coverage for the full academic year

• have a U.S.-based claims administrator, and a U.S. telephone number and address for submission of claims and be issued in the U.S.

• offer medical evacuation and repatriation expenses if students are in F1/J1 visa status or if they are studying or doing research outside of the U.S. during the current academic year.

• provide active coverage from the day the students arrive on campus through either August 31, 2027, OR the end of their academic program (whichever comes first).

If your preferred insurance plan meets the criteria for comparable coverage, go to the online Enrollment / Waiver site to waive your U-SHIP coverage here.