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Midwestern University - Downers Grove
STUDENT HEALTH INSURANCE PLAN

2026-2027 Academic Year

If you are a student on the Glendale campus, click HERE to be redirected.

Health Insurance Requirement

All Downers Grove students are required to maintain health insurance and must take one of two actions:

  1. Submit a waiver form, documenting that they have comparable coverage that meets waiver requirements, or
  2. Enroll in the annual Student Health Insurance Plan (SHIP). Students enrolling have the choice to enroll in the 500 plan or the 1000 plan.

Students who do not enroll or waive by their deadline are automatically enrolled in the 1,000 plan and are responsible for the insurance cost on their tuition statement.

Premium and Coverage Periods

Coverage Period Start Date End Date Cost 500 Plan ** Cost 1,000 Plan *  Deadline
Annual * 09/01/2026 08/31/2027 $5,247.00 $4,048.00 Varies
Fall * 09/01/2026 11/30/2026 $1,311.75 $1,012.00 Varies
Winter 12/01/2026 02/28/2027 $1,311.75 $1,012.00 12/11/2026
Spring 03/01/2027 05/31/2027 $1,311.75 $1,012.00 03/19/2027
Summer 06/01/2027 08/31/2027 $1,311.75 $1,012.00 06/18/2027

* Medical, Pharmacy, Occupational Therapy, and Optometry students enrolling in the SHIP for the first time during the fall quarter will be charged for additional days in August so that coverage aligns with their program start date.

** Most premiums are billed quarterly. To remain eligible, students must be actively attending classes for the first 31 days of each quarter. First‑Year Dental, Optometry, and Biomedical Sciences MA students are billed their annual premium across the Fall, Winter, and Spring quarters and remain enrolled for Summer coverage. 

If your program ends (i.e., you graduate at the end of the 2nd quarter), your coverage will end, and you will not be charged additional installments. 

Waiver Requirements

Before waiving, confirm that your plan meets all requirements below:
  • Your plan must be filed and approved in the United States and fully compliant with the Patient Protection and Affordable Care Act (PPACA).
  • Your plan must provide non-emergency benefits in the campus area and the location of your clinical rotation(s). 
Important Note: the following plans do not qualify:
    • Short-term medical plans
    • Limited benefit medical plans
    • Health sharing plans
    • Travel plans
    • Plans from foreign health care systems
    • Plans marketed to international students only

Waiver submissions will be reviewed for compliance. If your waiver is not approved, you will be enrolled in the 1,000 plan and will be responsible for the premium.

Enrollment Process

You may choose either the 500 or 1,000 plan. Your Aetna coverage will be active on the policy effective date if you submit the enrollment form at least five business days before that date. If you submit the enrollment form after the effective date, please allow three to five business days for processing. Students who do not take action by the deadline will be automatically enrolled in the 1,000 plan. All enrollments are retroactive to the term's effective date. 

 

Qualifying Event Enrollment

If you waived SHIP, you cannot voluntarily enroll later. However, if you lose your other health coverage, you may qualify for special enrollment rights to enroll in SHIP. You must submit a qualifying event enrollment form within 30 days of losing coverage. Select the qualifying life event enrollment form for more information. 

Mid-Year Termination

A waiver form submitted at the start of the academic year will apply to all quarters in that academic year; only one waiver is required. However, students who enroll at the start of the academic year may waive future terms by submitting a waiver by the term's deadline. 

Withdrawal from Classes – Leave of Absence: If you withdraw from classes under a school-approved leave of absence, your coverage will remain in force through the end of the period for which payment has been received and no premiums will be refunded.

Withdrawal from Classes – Other than Leave of Absence: If you withdraw from classes other than under a school-approved leave of absence within 31 days after the policy effective date, you will be considered ineligible for coverage, your coverage will be terminated retroactively, and any premiums collected will be refunded. If the withdrawal is more than 31 days after the policy effective date, your coverage will remain in force through the end of the period for which payment has been received and no premiums will be refunded. If you withdraw from classes to enter the armed forces of any country, coverage will terminate as of the effective date of such entry and a pro rata refund of premiums will be made if you submit a written request within 90 days of withdrawal from classes.

Student Health Plan

Optional Plans

Additional Information