UIUC Student Health Insurance Office 

Students must request an appointment to meet with staff in-person.  

  • Appointments are available Monday - Friday:
  • Hours:  9:00 am - 12:00 pm; 1:00 pm - 3:30 pm 

Call or E-mail to make an appointment:

Phone: (217) 333-0165


Early Arrival Coverage

Student Health Insurance is available for purchase, if you need coverage prior to the start of the Fall Semester.  

Early Arrival Coverage can be purchased directly from UnitedHealthcare Student Resources:

  • Select 2020-2021 Policy Year
  • Select Undergraduate or Graduate Policy
  • Click "Enroll Now" 

Please review the document linked below for dates and fees:

Fall 2020 Early Arrival Dates and Fees


Why has the University increased the Student Health Insurance fee for 2021?

The University is concerned about the cost of attendance and college affordability.  We do not take health insurance premium increases lightly and work closely with United Healthcare, our insurance underwriter, to keep rate increases to a minimum.  Unfortunately, FY21 rate increases are based on the claims experience during part of the current academic year and previous years.

Below are some driving factors: 

The current University Student Health Insurance plan is losing approximately 5% of its enrollment per year due to undergraduate students opting-out to remain on their parent's insurance plan.  There has been a 20% drop in enrollment since FY16 (Year 1), equaling 2,500 fewer undergraduate students enrolled. 

This progressive dropout rate from those who previously subsidized the plan has helped to drive a 100% increase (FY16-FY19) in the cost per beneficiary for those undergraduate students remaining in the plan and who use the insurance annually.  Graduate students and their dependent rates have underlying year-on-year growth rates of 10%-20%, requiring a reliable subsidizing group for overall stabilization. 


We will continue to work with United Healthcare to minimize rate increases.  We are also developing strategies we can use to contain cost by better educating our students about benefits usage. 

  • The percentage of insureds utilizing the Student Health Insurance plan has gone from 35% (FY16) to 47% (FY19). 
  • Like many typical student insurance plans, approximately 40% of the paid claims, representing approximately 36% of the claimants, are in the following 5 categories: 
    • Digestive: up 13% year on year)
    • Mental: up 41%
    • Maternity: up 13%
    • Musculoskeletal: up 13%
    • Respiratory: up 17%
  • The Illinois Health Exchange does not offer a platinum tier plan like that offered to our graduate students, and the gold tier plan is 3.5 times more expensive than our undergraduate plan, despite a small increase in cost for 2020. 
  • Currently, our University Student Health Insurance rates are 4th lowest in the Big Ten.  Even with a 34% increase in FY21 and every school maintaining their current rate in the Big Ten, the University of Illinois at Urbana-Champaign will be ranked approximately #8, in the middle of the Big Ten institutions.  In addition, we have been told other institutions will also increase their rates for FY21. 

Rx Benefits: Step Therapy and Prior Authorization

Beginning with the 2020-2021 Academic year, certain prescription drugs will be subject to Prior Authorization or Step Therapy, ahead of the medication being filled.  These steps are put into place to ensure that our students are receiving the appropriate care, including the right prescription drug for them.  

Note:  Not all prescription medication will be subject to Step Therapy or Prior Authorization.  For a list of applicable medications, please refer to the Prescription Drug List document below.  If a medication is subject to one or both of these, you will see a "PA" or "ST" listed next to it.  

These documents will provide overviews of each of these programs, as well as how our students can navigate the process(es):  

UIUC Prescription Drug List

Prior Authorization

Step Therapy____________________________________________

UnitedHealthcare Student Resources: Special Enrollment Option

UHCSR is offering a special enrollment period for students losing coverage at the end of Summer 2020.  If you were enrolled in UIUC's Student Health Insurance plan during the Summer, and will not be eligible for coverage in the Fall, you may be able to use this option.  

Students will receive 2 emails about this opportunity.  The first email will outline basic information about this option. The 2nd email will contain information on  how to enroll.

NOTE:  If you are enrolled for Fall, and therefore eligible for coverage under UIUC's plan, you will not be able to exercise this special enrollment option. 

Are there helpful documents to read or print?

Update Personal Information or File a Claim

Student Insurance Handbook

Enrollment Information

Undergraduate Coverage and Benefits

Graduate Coverage and Benefits


two students walking away from camera

Enrollment/Change Period

Fall 2020

August 21st - September 25th 2020

Coverage Dates 

Fall 2020

August 22nd 2020 - January 15th 2021



Fall 2020

Undergraduate Fee 

Fees Per Semester

  • Students - $723 
  • Spouse - $709
  • One Child - $709
  • Two or More Children - $1,418
  • Spouse and Two or More Children - $2,127

Fall 2020

Graduate Fee

Fees Per Semester

  • Student - $927
  • Spouse - $913
  • One Child - $913
  • Two or more Children - $1,826
  • Spouse and Two or More Children - $2,739