Insurance Information

All students are required to obtain adequate health insurance coverage. To assist students in obtaining coverage, the University-sponsored Student Health Insurance Plan by UnitedHealthcare Student Resources is designed to be used in conjunction with the services of the Student Health Service and Counseling Center. 

Domestic students with adequate coverage of their own can waive the University-sponsored plan, however, international students are required to enroll in the University-sponsored plan (unless being sponsored by an embassy).

Student Health Insurance Plan Highlights

Annual Deductible

  • In-network: $300
  • Out-of-network: $750

Co-Pays

  • Student Health Service or Counseling Center: $0
  • Primary and Specialist Care outside of Student Health Service: $40
  • Lab/X-Ray: $50
  • Urgent Care: $50
  • Emergency Room: $200

Out-of-Pocket Maximums*

  • In-network: $5,500
  • Out-of-network: $6,000

*Includes the deductible, copays, coinsurance, and covered prescription drug copays.

Insurance Rates and Coverage Dates

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  • 2025-2026 Annual

    Undergraduate, Graduate, and International Students
    August 15, 2025 to August 14, 2026
    $4,230

    Class of 2029 MD/MPH Students
    June 20, 2025 to June 19, 2026
    $4,230

    Class of 2029 MD and All Others
    July 1, 2025 to June 19, 2026
    $4,129

    Class of 2028 All Medical
    June 20, 2025 to June 19, 2026
    $4,230

    Class of 2027 All Medical
    June 20, 2025 to June 19, 2026
    $4,230

    Class of 2026 All Medical
    June 20, 2025 to June 19, 2026
    $4,230

    Graduate Int'l LLM
    August 1, 2025 to June 30, 2026
    $4,022

  • Spring and Summer 2026

    Undergraduate, Graduate, and International Students
    January 5, 2026 to August 14, 2026
    $2,609

    Medical Students Semi-Annual Spring
    January 1, 2026 to June 19, 2026
    $2,354

    Graduate Int'l LLM Semi-Annual Spring
    January 1, 2026 to June 30, 2026
    $2,137

  • 2026 Summer Only

    Undergraduate, Graduate, and International Students
    May 10, 2026 to August 14, 2026
    $ 1,169

Dental and Vision Insurance

University of Miami students and their dependents have access to optional dental and vision insurance through MetLife and Superior Vision by MetLife. You do not need to be enrolled in student health insurance to participate.

For more information, please visit Miami Student Insurance Plans or call the Student Support Team at (877) 247-8817.

Dental and vision plans vary considerably. Please carefully review the benefits and limitations to ensure that the policy meets your needs.

More Information for...

Domestic Students

Domestic undergraduate students enrolled in six or more credit hours per semester and domestic graduate students considered full time are required to obtain adequate health insurance.

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International Students

All international students are required to enroll in the University-sponsored health insurance program regardless of credit load. The annual premium for this coverage is added to each student's fees.

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Graduating Students

Graduating seniors, and others leaving the University, are encouraged to seek alternative coverage well before the termination of their current plan.

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Graduate Assistants

Graduate students with an active graduate assistantship job assignment in Workday and who are eligible for the Graduate School subsidy can pay for the remaining portion of the insurance via payroll deduction.

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MD and MD/MPH Students

Miller School of Medicine MD and MD/MPH students enrolled in six or more credit hours per semester are required to obtain adequate health insurance.

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Dependents and Spouses

Although not eligible for care at Student Health Service, dependents and spouses of enrollees are eligible for coverage.

Learn More
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