Coverage Dates, Premiums & Deadlines
OFFICE HOURS: Monday – Thursday: 8:00am to 5:00pm • Friday: 8:00am to 3:00pm
SCHEDULE AN APPOINTMENT: 303-615-9999
AFTER-HOURS CRISIS SUPPORT & VICTIM ASSISTANCE: 303-615-9911
Coverage Dates, Premiums & Deadlines
Opt-Out Waiver Deadlines
Insurance Waiver Deadlines
Spring 2026: February 5, 2026 (closed)
Summer 2026: A wavier is not necessary. The Insurance Requirement does not apply to this semester.
Fall 2026: September 2, 2026*
*The Fall semester waiver will be accessible after July 1 in the Student Hub for students registered with 9 or more credits**
Every Fall or Spring semester when enrolled in 9 credits or more and you would like to opt-out of SHIP, the online waiver is required. The waiver link is located under the Student Hub profile menu. See How to Submit an Opt-out Waiver instruction guide to help you step by step to submit a waiver. All submitted waivers are audited based on the University’s Domestic or International Insurance Requirements.
Personal healthcare plans must be in effect no later than September 1 to opt-out of Fall SHIP and February 1 to opt-out of Spring SHIP.
SHIP Premiums & Coverage Dates
| Fall 2025 | $ 1,185 | August 18, 2025 thru January 19, 2026 | |
| Spring/Summer 2026 | $ 1,659 | January 20, 2026 thru August 16, 2026 | |
| *Summer 2026 | $ 705 | May 26, 2026 thru August 16, 2026 |
Fall 2026 Premiums and Dates will be posted soon.
The premium rates listed above are subject to regulatory approval each year and may change.
*Summer semester the University Health Insurance premium is not automatically charged to incoming students, it’s voluntary (optional) enrollment for summer only. Incoming new students can voluntarily enroll with the SHIP Office as long as they register for 9 or more credits. Graduate students can also voluntarily enroll with the SHIP Office if they register for 6 or more Summer credits. All students who currently have Spring semester coverage will also have the health insurance coverage through summer semester, for a total of 7 1/2 months of coverage, and will not need apply for Summer coverage.
Voluntary Opt-In Coverages
The University offers special voluntary SHIP coverages for Undergraduate, Graduate, Graduating, or new Summer students if they register for the required number of credit hours and submit a completed enrollment application with payment by the semester deadline below. Completed applications are to be submitted securely online to the MSU Denver Student Insurance office no later than the deadline.
Details of the minimum required credit hours for voluntary SHIP eligibility:
Graduates:
Automatic enrollment every Fall and Spring semester when registered for 9 credits or more.
Voluntary Fall or Spring/summer coverage requires a minimum 6 to 8 credits.
Voluntary Summer only coverage requires a minimum of 6 or more credits.
Undergraduates:
Automatic enrollment every Fall and Spring/summer semester when registered for 9 credits or more.
Voluntary Summer only coverage requires a minimum of 9 credits or more.
Graduating:
Automatic enrollment every Fall and Spring/summer semester when registered for 9 credits or more.
Voluntary coverage for the final graduating semester requires a minimum of 1 credit hour.
Voluntary Enrollment Deadlines:
Fall 2025: September 3, 2025
Spring/summer 2026: February 5, 2026
Summer only 2026: June 16, 2026
Additional information for voluntary opt-in coverages, including loss of coverage, aging out, etc., can be found under the Special Coverages page.
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Please note there is a failed appointment fee of up to $50.00 for missed appointments or short notice cancellations (less than 24 hours).
