Domestic Student Health Insurance Plan (DSHIP) 2023-24

If you requested a BCN Blue Water registration user ID and temporary password, it might take 2-4 business days for your request to be fulfilled. We're currently experiencing delays in processing requests and apologize for the inconvenience.

Due to these delays, open enrollment has been extended to October 31, 2023.

If you have enrollment and billing questions, please call 1-855-669-8041 from 9 a.m. to 4:30 p.m. Eastern Monday through Friday or email 

If you need health insurance, please consider this plan, which was developed with students' needs in mind.

To save money on health care, currently enrolled U-M students on the Ann Arbor campus should visit UHS first.

See How Blue Cross Blue Shield of Michigan is responding to COVID-19.

To enroll online, go to BCN U-M Student Health Plan.

Quick links:

  • It's a low-priced, voluntary plan available to all U-M students through Blue Care Network of Michigan
  • The annual purchase price is $2511, with an annual deductible of $100 for in-network care and $100 for out-of-network care
  • It provides coverage throughout the U.S.
  • It complies with the Affordable Care Act, with coverage comparable to a "platinum" plan on the Health Insurance Marketplace
  • The plan is sponsored by the University of Michigan
  • ​Prescription drug coverage
  • Clinic visits
  • Mental health
  • Annual vision exam
  • Hospitalization
  • Emergency room visits
  • Ambulance service
  • Limited dental coverage
  • And more

This plan is available to:

  • U-M students, including undocumented students, who are enrolled in classes or between semesters (e.g. during spring/summer session) at the Ann Arbor, Dearborn or Flint campuses, including:
    • U-M degree-seeking students who are taking their classes on-line or remotely are eligible. Students who are taking “series,” “MOOCs” or “teach-outs” are not eligible.
    • Graduate and doctoral students who are completing graduation requirements (writing thesis, preparing dissertation, studying for prelims, studying abroad on detatched study, pre-doctoral candidates, etc.) are eligible.
    • International students, students with dual citizenship and international scholars who are ineligible for International Student and Scholar Health Insurance Plan are eligible.
  • Green card holders who meet the above qualifications are eligible.
  • Spouses, domestic partners of any gender, and children (up to age 26) of all the groups listed above are eligible if the student is enrolled in the Plan.

Students not eligible to participate in the plan include those who do not meet any of the eligibility requirements listed above, as well as those who graduated during the 2022-23 academic year and those who are not taking classes in the fall of 2023.

A U-M student enrolled in the plan who is on an approved medical leave of absence needs to have purchased the insurance prior to the event causing medical leave. Coverage for medical leave cannot extend beyond one policy year past the current year enrolled for classes.

After the enrollment deadlines, only those students who have involuntarily lost health insurance coverage through a Qualifying Life Event are eligible to purchase the plan, limited to within 30 days after the Qualifying Life Event. Qualifying Life Events include turning age 26 and being removed from your parent's health insurance, the birth of a baby or marriage or ending of an insurance policy.

Full eligibility requirements can be found in the member guide in the "Enrollment" section under "Student Coverage".

Coverage period     Annual
(Fall, Winter & Spring/ Summer)
(See also Annual Installment Payments directly below)
Winter & Spring/ SummerSpring/ Summer Only
Effective dates8/24/23 - 8/23/241/1/24 - 8/23/245/1/24 - 8/23/24
Payment deadline and end of open enrollment period9/30/231/31/245/31/24
Cost for student only$2,511$1,674$837
Student + 1 dependent$4,955$3,303$1,652
Student + 2 or more dependents$7,399$4,933$2,467

Annual Installment Payments: This is available only to those who purchase the annual plan for the entire policy year. You may elect to make three annual installment payments. Premium payments for Periods 2 and 3 will AUTOMATICALLY be charged to the same form of payment used for Period 1. An email notification will be sent prior to the next payment due date. If your credit card is denied, you will be given the opportunity to provide alternative payment details, but this must be received no later than the deadline as listed below. No late enrollment is allowed.

Annual Installment Payments for 2023-24 Policy Year:

Installment payment1st payment:2nd payment:3rd payment:
Effective dates8/24/23 - 1/31/242/1/24 - 5/31/246/1/24 - 8/23/24
Payment deadline9/30/231/15/24
automatic deduction by insurer
automatic deduction by insurer
Cost for student only$1,048$836$627
Student + 1 dependent$2,066$1,651$1,238
Student + 2 or more dependents$3,085$2,466$1,849

Enrollment is only available during open enrollment periods, unless you have a Qualifying Life Event such as turning age 26 and being removed from your parent's health insurance, the birth of a baby or marriage or ending of an insurance policy.

Note the open enrollment deadlines: Annual 9/30/23, Winter 1/31/24, Spring/Summer 5/31/24

Eligibility for enrollment is subject to verification.

To enroll online, go to BCN U-M Student Health Plan.

After insurance has been purchased, there are no cancellations and no refunds other than:

  • A student who is receiving a U-M health insurance plan or
  • A student who is graduating and receiving health insurance through their new employer

There are two ways that you can obtain your insurance card:

  1. Online after you enroll:
    1. You will receive an email that contains your BCN enrollee ID number
    2. Create an account - see How to Register for Your Online Blue Cross Member Account
    3. On your Member Page, go to “Your ID cards” then click “View or order ID cards”
  2. A physical ID card will also be mailed to your address on file with the insurance company (the address you provided when you enrolled). This address is not linked to your address in Wolverine Access.

The Student Health Insurance Committee negotiates this insurance plan for students and addresses domestic student health insurance issues. Student participation is welcome.

Health Insurance 101 Video explains why and how students use health insurance

The U-M Student Health Insurance Plan through Blue Care Network is a Point of Service (POS) plan. With this plan members can receive care from both in-network and out-of-network providers. However, with out-of-network providers, members may pay higher fees and receive bills for the balance.

For enrollment questions, contact Blue Water Benefits Administrators at:

For benefit information, see BCN U-M Student Health Plan or call 800-287-4103.

For other questions, email the UHS Managed Care/Student Insurance Office at

See also International Student and Scholar Health Insurance Plan

Form 1095-B is no longer needed for tax purposes:

  • Due to changes in the health care law, the 1095-B form is no longer needed for tax purposes. Beginning in 2023, BCN is no longer able to provide this form.