UNH Today

To ensure that students can get the care they need during their time at UNH, health insurance is required for all undergraduate and graduate degree candidates at the Durham, Manchester and Concord campuses.

UNH’s student health benefits plan (SHBP) costs $190 a month, has no deductible for in-network care ($250 deductible for out-of-network) and extends coverage year-round anywhere in the world.  What’s more, the plan, administered by Health Plans Inc., exceeds minimum coverage requirements and compares to platinum plans while being priced at the level of most bronze plans.

So while students up to age 26 can remain on their parents’ healthcare plans, it’s worth comparing the cost and coverage to that offered by SHBP. In particular, parents with family coverage who have only one child may find it more economical to insure their student under the UNH plan and retain two-person coverage for themselves.

The SHBP meets the essential guidelines in the Affordable Care Act and has no limit on medical or prescription benefits. In addition to broad coverage, the SHBP includes access to discounts for dental services as well as travel assistance.

Enrollment in the UNH plan is automatic unless a student submits a waiver prior to the deadline indicating adequate coverage under another plan. Adequate coverage includes:

• The 10 essential health benefits specified in the Affordable Care Act
• Access to hospitals and physicians for emergency and routine care and mental healthcare providers in the Durham, Manchester or Concord, New Hampshire, area
• A deductible less than $500 (if greater than $500, proof of financial resources to cover the deductible is require)

The policy also must remain in effect throughout the academic year (unless terminated due to age maximum or other loss of plan eligibility).

Check the Health Services website for more information including waiver and enrollment deadlines.