All full-time degree students are required to have health insurance as a condition of enrollment. Learn more below!
The 2023-2024 Waiver/Enrollment portal is now open
Fall 2023 SHBP Enrollment/Waiver deadline: 09/15/2023
Current students* already enrolled in the Student Health Benefits Plan can log into their account using the link above.
UNH Health Insurance Requirement
- All full-time degree students are required to have health insurance as a condition of enrollment:
- to ensure access to health care services beyond what is available on campus; and
- to provide financial protection for major illness or injury.
- Health insurance plans must be effective by September 1.
- The requirement applies to students attending the Durham, Manchester, or Concord campuses.
- Action must be taken each year; information does not roll forward from year to year.
- Students can be seen at Health & Wellness regardless of what insurance they have.
- Students are enrolled in and charged for the UNH SHBP by default if they don’t submit a waiver by the semester deadline.
UNH Student Health Benefits Plan
- The SHBP:
- provides 12 months of coverage, beginning September 1 and ending on August 31 for full-year, full-time students.
- uses the Cigna Open Access Plus (OAP) network of providers.
- provides both in-network and out-of-network coverage.
- Coverage ends in January for those graduating; not returning to UNH; or dropping to part-time in the spring semester.
- Coverage may automatically end if student's full-time enrollment status changes.
Please note: pricing and benefits remain the same as the 2022-23 year.
- The SHBP is cost effective, at only $190/month.
- There is no deductible for in-network care; $350 deductible for out-of-network care.
- Students can rely on this plan as their sole source of medical coverage.
- The SHBP:
- may save your family money if you are the only child on your family’s plan or you purchase a plan in the marketplace.
- voluntarily complies with the Affordable Care Act’s requirements.
- You will be billed for half the cost of the plan over two semesters ($1,140 each semester).
- The cost will appear on your UNH tuition/fee bills as a separate line item.
- You can pay for coverage for dependents directly to Wellfleet Insurance on an annual basis.
The SHBP incorporates the Basix Dental Savings Program to help enrollees save money on dental services. Because it’s a discount program, not insurance, there are no lifetime maximums, exclusions or claim forms. This link provides a list of dentists in the local area that participate in the program as well as their fee schedules for their services.
Enrollees in the UNH SHBP also have vision benefits through Davis Vision. This program provides savings on eyewear, contacts, eye exams and other services. Students can present their SHBP ID card and any applicable service or merchandise you receive will be discounted right at the point of purchase. There are no claim forms to complete and no waiting for reimbursement.
Emergency Travel Assistance
Available to enrollees when traveling anywhere in the world.
Students have 24/7 access to professional assistance to help manage personal concerns, emotional issues, transition and adjustment concerns, academic stress, career development, and the demands of daily family obligations by calling 888-857-5462.
Waiving the UNH SHBP
Students will be automatically enrolled in the UNH SHBP if they do not submit a waiver.
Note: Students on an F1/J1 Visa are required to enroll in the SHBP.
Students who wish to waive the UNH SHBP must provide proof that their insurance:
- is a United States-based insurance plan.
- provides the 10 essential health benefits specified in the Affordable Care Act.
- includes access to mental health care providers in the Durham, Manchester or Concord, NH areas.
- includes access to hospital and physician providers in the Durham, Manchester or Concord, NH, areas.
- will remain in effect for the entire academic year (except for termination due to the attainment of a maximum age, or other situation resulting in a loss of plan eligibility*).
- *Important! Students must notify Health & Wellness within 31 days of losing coverage.
Plans that cannot be used to satisfy the waiver criteria include:
- Accident-only policies
- Short-term limited duration health plans that does not meet the requirements of the Affordable Care Act (ACA)
- Ministry sharing plans, even if recognized by the ACA
- Medicaid or other government health insurance policies that do not include participating in-network healthcare providers in the Durham, Manchester or Concord, NH area
- NH, MA, and ME Medicaid can be used to waive the UNH requirement.
- Any other health benefits programs (e.g., a community care program) that are not recognized by the State of NH as being health insurance (or are not a health benefits plan governed by the Employee Retirement Income Security Act of 1974); and which do not meet all of the requirements specified above
All waiver forms will be audited to verify enrollment and benefits coverage.
Students who are found to be uninsured or to have insufficient insurance coverage:
- will be enrolled in the SHBP as an Unqualified Late Enrollee.
- will be charged the full cost of the plan. It will not be prorated.
- will have an effective date of coverage from the date the student is enrolled in the plan.
Students who knowingly falsify their insurance information in order to appear to comply with the insurance requirement or who don’t obtain other coverage within 31 days after losing their original coverage are subject to charges for violation of the Student Code of Conduct.
Frequently Asked Questions
The following video answers commonly asked questions about the Student Health Benefits Plan and the UNH health insurance requirement.
More Frequently Asked Questions can be found at our Incoming Students Landing Page.
Please note that this video was created in the summer of 2020. The most up-to-date deadlines are listed above.