University of North Carolina - Chapel Hill
- The school has updated its insurance waiver requirements for the Fall 2026 semester. All plans listed below meet the school's waiver requirements.
- If your effective/start date is not shown below, you'll be able to select any coverage dates when enrolling online. For assistance, please contact [email protected].
- For Plans that we offer to Recent Grads, OPT Participants, and H1B visa holder, click HERE.
Presidential Plan
- Worldwide Coverage (excluding home country)
- Unlimited Maximum Benefit
- Coinsurance: you pay 20% (In-Network)
- No Copays / Deductible at SHC
- Pre-Ex Condition - No waiting period
- Prescription Drugs $10/$20/$40 copay
- Mental Health
- Wellness Care
Gold Plan
- No Lifetime Limits On Benefits
- $2,000,000 per Person per Policy Year
- Coinsurance: 80% In-Network
- No Copays / Deductible at SHC
- Prescriptions - 70%, $2,000 max per year
- Pre-ex Condition - $2,500 Limit (First 6 Months)
- Mental Health & Substance Abuse
- Wellness Care
Opal Plan
- Unlimited Maximum Benefits
- Coinsurance 80% In-Network
- No Copays at SHC
- Out-of-Pocket Maximum $6,350/year
- Pre-Ex Condition - No waiting period
- Prescription Drugs: 80% of charges; $30 copay
- Mental Health
- Wellness Care
The premium amount displayed reflects your insurance premium plus administrative and payment processing fees.
PSI gathered this information as a resource for students, and this does not intend to imply a relationship between your school and our website, or company. Our plans simply offer an
alternative to the university's student health insurance plan.