Student Health Insurance

The form to enroll or waive student health insurance is usually available in early July.

Miami University requires all full-time Oxford students be covered by health insurance. All Oxford students registered full-time (when the fall semester bill is generated) are charged for health insurance unless the student has completed and been granted a waiver of the student health insurance.

This process must be completed every year for all full-time Oxford students.  The deadline for students registering for fall 2025 is August 1. 

For full-time Oxford students who were not enrolled in the fall but will attend in the spring, the waiver portal will open on December 15, 2025. The deadline for submitting a waiver is January 31, 2026. 

Please Note: If you were a full-time student on the Oxford campus in the fall, you do not need to take any action. Students who were granted a waiver in the fall will be waived again in the spring, and students who accepted the insurance coverage (whether by actively accepting or by taking no action) and remain full-time in the spring will remain on the plan.

Beginning July 1, 2025: Visit the student health insurance website to waive, enroll, or learn more (opens in a new window and links to an external vendor). Use a laptop or desktop computer to complete the process. Google Chrome works best. The site will request the student's Miami email address (uniqueID@miamioh.edu) and date of birth to enter the site.

Note: Student Health Services is available to all students registered for classes. If you do not use the student health insurance, call your insurance company to make sure Miami University with TriHealth is a covered provider.

You can call 1-833-789-3458 between 8 a.m. and 4:30 p.m. (EST) with questions. You can also email questions/concerns to MUInsuranceAdvocate@uhcsr.com. 

Miami requires all international students registered at Miami to enroll in the Miami-sponsored insurance plan each academic year. All eligible international students will be automatically enrolled in the student health insurance plan. Please see the International Student Scholar Services (ISSS) page on health insurance for more information. 

Miami requires all Pathway students to be covered by health insurance. All eligible students will be automatically enrolled in the Miami-sponsored insurance. If you are currently covered by health insurance (from a parent, spouse, or another source), you must complete an electronic insurance waiver request. The deadline to request the waiver is August 1.

If you are currently covered by health insurance (from a parent, spouse, or other source) and you do not want to add Miami's student health plan, you must complete an electronic insurance waiver request.

You are eligible to waive student health insurance if you meet the following criteria.

• You are already covered by an insurance plan provided by a company licensed to do business in the United States, with a U.S. claims payment office and a U.S. phone number.
• Your plan is currently active and you agree to maintain health insurance coverage throughout the entire 2025-26 academic year.
• Your plan covers inpatient and outpatient medical care within the Oxford Ohio area (including hospitalization, surgery, medical equipment, pregnancy, and routine care). Emergency and urgent care only coverage does not satisfy the requirement.

Once the waiver request is submitted and the information is verified, a confirmation email is sent to your Miami email account, and a credit is posted to your bursar bill. The deadline to request the waiver is August 1. Students whose enrollment status changes to full-time Oxford (e.g. newly registered students, full-time to part-time, regional relocation, etc.) will have the opportunity to request a waiver at the time of the change even if it is after the deadline.

It is necessary to complete an electronic insurance waiver each year.

Waive or Enroll

If your health insurance waiver request was declined or if the deadline has passed, feel free to contact Miami's on-site student health insurance advocate, Cheryl Reynolds, at either 1-833-789-3458 or MUInsuranceAdvocate@UHCSR.com with any questions or concerns. 

Exemptions

If you hold a religious, philosophical, or ethical belief that prohibits you from purchasing the university-sponsored student health insurance plan, you can request an exemption from the requirement.

2025-26 Student Health Plan

Effective for the 2025-26 academic year, Miami's insurance carrier for the student health insurance program is UnitedHealthcare Student Resources (UHCSR). 

The Miami-sponsored student health insurance plan includes nationwide coverage through UHCSR's extensive national network of providers, as well as worldwide medical assistance. Review the two-page summary of the plan for an overview. 

The student insurance plan covers preventative care, hospitalizations, surgery, emergency care, prescriptions and major medical benefits for treatment received to the extent specified in the policy. The policy year is August 1, 2025 to July 31, 2026.

As you investigate whether or not to purchase insurance coverage, please check to see your existing insurance lists Miami University through TriHealth as an in-network provider. You can also look to see if our providers are listed as in-network individually. A list of providers can be found at Meet the Student Health Services Clinicians. 

2025-2026 Student Health Plan Cost 

The student health plan is $2,226 for 12 months of coverage. The annual student premium will be billed in two installments on your student account ($933 for the fall premium and $1,293 for the spring premium).

If needed, you can enroll additional dependents (spouse, child, or children) through the UHCSR portal. Enrollment and payment are made directly to UHCSR.

Rates are subject to regulatory approval and may change.