UC Health Insurance Requirement
All UC Davis students are required to have health insurance. In order to satisfy this requirement, all registered students are automatically enrolled in the University of California Student Health Insurance Plan (UC SHIP).
If you have already have comparable insurance coverage, and do not wish to be enrolled in UC SHIP, you must apply for a UC SHIP waiver by the posted waiver deadline date. A new waiver application must be submitted each academic year.
**The services at Student Health and Counseling Services are available to all students, even if you waive enrollment in UC SHIP. **
UC SHIP and Financial Aid
For those students who qualify for financial aid, the cost of UC SHIP will no longer be fully covered by a grant for the 2025-26 academic year. Financial Aid offers will include a loan component to assist with this expense.
All questions regarding financial aid for the cost of UC SHIP need to be directed to the Financial Aid office.
2025-26 Academic Year Benefit Changes
Below are the changes to the UC SHIP benefits for the 2025-26 academic year.
Medical Benefits
- Annual Deductible - increase from $200 to $250 for in-network services
- Emergency Room copay - increase from $150 to $200 per visit
- Diagnostic Imaging/Testing (CT/PET Scans, MRI's) copay - increase from $25 to $50
UC SHIP Voluntary Coverage After Graduation
- UC SHIP voluntary coverage will no longer be available to students who have graduated
UC SHIP Dates of Coverage
Quarter Students (Grad/Undergrad)
2024-25 Academic Year
Spring/Summer*: March 27, 2025 - September 14, 2025
2025-26 Academic Year
Fall: September 15, 2025 - January 1, 2026
Winter: January 2, 2026 - March 25, 2026
Spring/Summer*: March 26, 2026 - September 13, 2026
Semester Students (Law/Veterinary)
2024-25 Academic Year
Spring/Summer*: January 6, 2025 - August 10, 2025
2025-26 Academic Year
Fall: August 11, 2025 - January 4, 2026
Spring/Summer*: January 5, 2026 - August 16, 2026
*Summer coverage is included at no extra charge if a student is enrolled in UC SHIP for Spring term
UC SHIP Costs
2024-25 Academic Year
Per Term Annual Undergraduate Students (Quarter) $1,213 $3,639 Graduate Students (Quarter) $2,482 $7,446 Law / Veterinary Students (Semester) $3,723 $7,446 2025-26 Academic Year
Per Term Annual Undergraduate Students (Quarter) $1,257 $3,771 Graduate Students (Quarter) $2,664 $7,992 Law / Veterinary Students (Semester) $3,996 $7,992