UNC Charlotte participates in the UNC System Student Health Insurance Plan (SHIP). Students meeting the following criteria are required to have health insurance and are automatically charged the Student Blue insurance premium each fall and spring semester upon registration:

• Undergraduate students enrolled in a main campus, degree-seeking program taking 6 or more credit hours.
• Graduate students enrolled in a main campus, degree-seeking or certificate program taking 3 or more credit hours.
• International students regardless of credit hours.
• The insurance requirement does not apply to students enrolled in an approved Distance Education program or to students enrolled only during the summer term. Because many online courses are classified as Main Campus rather than Distance Education, students should verify their program designation if they are unsure.
• Students may remain on a parent or a private health insurance plan if it meets the UNC System waiver requirements. To waive the Student Blue charge, students must submit proof of creditable health insurance through the online Student Blue waiver portal. Private insurance must be effective by September 1 (fall) or February 1 (spring). Approved waivers will result in a credit to the student's university account (please allow up to 15 days for processing).
• Students who do not receive an approved waiver by the deadline will be enrolled in the student insurance plan and are responsible for the insurance premium charged to their student account.
• Students should regularly monitor their charlotte.edu email for important communications from Student Health and Student Blue regarding enrollment, waiver status, and deadlines. Student Blue allows students to add a secondary email address (such as a personal or parent's email) to receive notifications.

The 2026-2027 Student Blue Plan DOES NOT meet J-type visa requirements. Do not enroll in the Student Blue Plan. You may shop for health insurance elsewhere that meets the Student Blue waiver guidelines. Once you have purchased an insurance plan, you must complete the Student Blue waiver process by the posted semester deadline. Failure to comply will result in default enrollment in the Global Solutions health insurance plan. The insurance charge for Global Solutions insurance will be added to your tuition account.

All International students are required to have health insurance while attending UNC Charlotte. Regardless if the student is living in the US or abroad. 

The 2026-2027 Student Blue Plan DOES meet F-type visa requirements. You may enroll the Student Blue Plan or another private plan of your choice. You may shop for health insurance elsewhere that meets the Student Blue waiver guidelines. If you purchased a non-Student Blue insurance plan, you must complete the Student Blue waiver process by the posted semester deadline. Failure to comply will result in default enrollment in the Student Blue health insurance plan for the semester. The insurance charge for Student Blue insurance will be added to your tuition account.

All International students are required to have health insurance while attending UNC Charlotte. Regardless if the student is living in the US or abroad. 

Distance learners, Co-op, Student Interns, Student Teaching students and students with special circumstances may be eligible to enroll in Student Blue during the open enrollment period, but are not required to purchase the plan, so long as the student:

• Is enrolled in at least one course for undergraduate students (this can be on-campus or distance education students)
• Is enrolled in at least 1 course for graduate students (for distance education program)
• Is degree-seeking participating in a campus-sponsored internship, a co-op semester, or student teaching that is required as part of the academic degree program.

HOW TO ENROLL:   A student who meets the above criteria must enroll in Student Blue by completing this form. This form will open in mid summer for the fall semester and November for the Spring semester. This form is active during the open enrollment periods.

• You will be enrolled in Student Blue health insurance within 3-5 business days after your request has been received. Your Student Account will be charged the semester premium within 3-5 business days. You are required to pay the premium or establish a payment plan prior to the end of the open enrollment period. Failure to do so will result in the insurance plan being voided.
• If you have a qualifying life event and wish to enroll in the insurance plan after the open enrollment period, you will need to go through Student Blue directly. Call 1-888-351-8283.