DU Student Health Insurance Plan (SHIP)

As noted on our Insurance Options page, health (medical) insurance is required for nearly all students at the University of Denver.

The DU Student Health Insurance Plan (SHIP) is a comprehensive plan, available exclusively to DU students actively enrolled in an on-campus, degree-seeking program. SHIP provides focused coverage for most DU students, especially when combined with the Health & Counseling Fee (HCF), which decreases the cost of a wide range of services offered by the DU Health & Counseling Center.

For 2025-26, SHIP benefits include low co-payments, a $500 in-network deductible, an in-network out-of-pocket maximum of $1750, and an extensive, nationwide network of excellent providers. And if you live on or near the DU campus, SHIP coverage means your primary healthcare provider, the Health & Counseling Center, is just down the block.

While we recommend SHIP coverage for all students, participation in SHIP is not required; you can request a SHIP waiver with proof of adequate alternate insurance, by posted deadlines.

Coverage Dates and Action Deadlines

Eligibility and Exceptions

All DU students enrolled in a degree-seeking program (except those in completely online or certificate programs*) are eligible to enroll in SHIP. Students registered for one or more credit hours will be automatically assessed the SHIP premium unless approved for a SHIP waiver, by submitting a request each year, along with proof of adequate alternate coverage, by posted deadlines above.

The SHIP premium is assessed (billed) each fall and spring term, appearing on the student's central Student Billing account, and covers a specific period, indicated above.

Students in the College of Professional Studies, programs including the Graduate Tax and Executive MBA, and on Continuous Enrollment status for all programs are not automatically enrolled, and should contact the HCC about enrollment options.

*DU students in completely online or certificate programs are not eligible to enroll in SHIP or receive services at the HCC.

• How to Participate / Enroll

  2025-26 ENROLLMENT / WAIVER REQUEST HAS BEGUN

  After you have registered for fall classes, sign in to MyDU and select the following options:

  1. Student Resources
  2. Records and Requests
  3. Accept or Waive Health Insurance

  The online system will then offer any applicable options for health fee and insurance.

   

  If an eligible student did/does not submit a waiver request by the deadlines listed above, the DU Student Health Insurance Plan premium (cost) will remain on their DU student bill to ensure they have adequate health insurance coverage.

   

  If you have specific questions regarding the plan benefits or coverage, please contact our office by calling 303- 871-2205 or emailing  insurance@hcc.du.edu  (Please include/have ready your student ID "87" number.)

• Off-term Enrollment: Winter Quarter, Summer, and Loss of Coverage

  For information about possible "off-term" enrollment possibilities (those outside the regular start dates for applicable quarter/semester coverage), including due to loss of other insurance coverage, please contact insurance@hcc.du.edu  (Be sure to include student name and DU ID "87..." number.)

• How to manage your SHIP Anthem account (website/app)

  Within 3-5 business days of confirming your enrollment via myDU portal (instructions above), you'll be able to create an account on the Anthem website, and then manage your Anthem account online and via the Anthem Sydney mobile app (including electronic membership card).

  Visit https://student.anthem.com/student/schools/u-denver