The fall 2025 waiver is now closed. If you missed this waiver period, you will be covered by our insurance for the remainder of the fall 2025 semester. This is firm.
2025-26 Academic Year
The NIU student health insurance plan is through UHCSR and is a PPO.
If you have any questions, please contact us at 815-753-0122, studentinsurance@niu.edu.
| Benefits |
2025-26 Academic Year |
| Per Semester cost |
$1,378 |
| Fall effective dates |
Aug. 1, 2025 - Dec. 31, 2025 |
| Spring/summer effective dates |
Jan. 1, 2026 - July 31, 2026 |
| Annual deductible |
$500 (in-network) |
| Doctor's office copay |
$10 (annual deductible does not apply) |
| Co-insurance |
70/30 |
| Dependent coverage |
$1,378 (one child) $2,756 (two or more children) |
| Pharmacy Benefits |
| Generic |
$20 |
| Brand |
$50-$75 |
| Most birth control |
100% coverage |