Coverage Dates, Premiums & Deadlines

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Coverage Dates, Premiums & Deadlines

Opt-Out Waiver Deadlines

Insurance Waiver Deadlines

Fall 2026: September 2, 2026 *

Spring 2027: February 4, 2027 *

Summer 2027: A wavier is not necessary. The Insurance Requirement does not apply to summer semester.

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.

*All health insurance plans submitted for waiver purpose must be effective by September 1 for Fall semester and February 1 for Spring semester.

SHIP Premiums & Coverage Dates

Fall 2026	$ 1,185	August 17, 2026 thru January 18, 2027
Spring/Summer 2027	$ 1,659	January 19, 2027 thru August 15, 2027
Summer 2027 *	$ 705	June 1, 2027 thru August 15, 2027

The premium rates listed above are subject to regulatory approval each year and may change.

*The Summer semester 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 have Spring semester coverage will keep the 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 to fit the needs of coverage when you are regsitering for less than the 9 minumum credits needed for automatic enrollment. Each require a completed enrollment application with payment by the semester insurance enrollment deadline. Completed applications are submitted securely online to the MSU Denver Student Insurance office.

The applications for special voluntary SHIP coverage is under the Special Coverages page.

The minimum requirements to qualify for special coverage are explained below for each catergory:

Graduates (An individual who has earned a bachelor’s degree and is studying for an advanced degree):
Automatic enrollment every Fall and Spring semester when registered for 9 credits or more.
Voluntary enrollment for Fall or Spring/summer coverage requires a minimum 6 to 8 credits.
Voluntary Summer only enrollment requires a minimum of 6 or more credits.

Undergraduates (An individual studying for their first higher education degree):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 (An individual who has completed all required coursework and academic credits to receive a diploma or degree):

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.

Special Coverage Enrollment Deadline:
Fall 2026: September 2, 2026 (closed)
Spring/summer 2027: February 4, 2026
Summer only 2027: June 15, 2027