BYU requires every student to have health insurance, and if you don't show proof of your own, you're put on the BYU Student Health Plan: $484 a semester for a single student in 2026-27. UVU works differently: its student clinic doesn't require or bill insurance, and you pay per visit.
Figures below are from BYU's 2026-27 Student Health Plan brochure and Student Health Center FAQ, and UVU Student Health Services' medical page, read Nov. 7, 2026.
BYU: the required plan
Who's on it
BYU says mandatory student insurance has been in place since fall 1989. Students in their first semester with 9 or more credits who don't report private insurance are enrolled automatically. Graduate students need coverage if they take 2 or more credits in a semester or term. Students with fewer than nine credits, such as continuing education students, aren't enrolled automatically and have to sign up.
Coverage runs Sept. 2, 2026, to Aug. 31, 2027, or until you graduate or lose continuing-student status. Once you're on it, BYU says coverage stays in effect for the full academic year, including spring and summer.
2026-27 premiums
| Coverage | Fall | Winter | Spring | Summer | Year |
|---|---|---|---|---|---|
| Single student | $484 | $484 | $242 | $242 | $1,452 |
| Married student only | $770 | $770 | $385 | $385 | $2,310 |
| Single student with dependents | $1,788 | $1,788 | $894 | $894 | $5,364 |
| Married student with dependents | $2,696 | $2,696 | $1,348 | $1,348 | $8,088 |
Premiums are billed to your student account. New dependents from marriage, birth or adoption must be added within 60 days. Maternity is covered for student contract holders with no extra deductible; a non-student spouse or dependent has a separate $3,000 deductible for maternity care.
What you pay for care
| Where | Copay | Deductible | Plan pays |
|---|---|---|---|
| BYU Student Health Center | $10 per service ($15 urgent care) | None | 100% after copay |
| Doctors outside the center, in DMBA's network | $25 | $300 per person, $600 per family | 80% |
| Out of network | $25 | Same | 50% |
| Hospital inpatient, in network | $300 ($100 more for a newborn) | Same | 80% |
| Emergency care | $50 | Same | 80% in network |
A few rules that matter:
- In Utah County, you must use the BYU Student Health Center. It's your primary care provider, and its doctors make referrals.
- Prescriptions: 80% coverage at the center's pharmacy, 60% at participating Navitus pharmacies, nothing at non-network pharmacies.
- Physical therapy outside the center is capped at 20 visits a year.
- Outside care has a $20,000 maximum benefit per academic year; BYU's Large Claims Coverage Plan applies above that.
DMBA administers the plan. The Health Plan Office is at 1750 N. Wymount Terrace Dr., second floor, 801-422-2661, healthplan@byu.edu. Center appointments: 801-422-5156.
Waiving it with your own insurance
- Log in to myBYU and open My Financial Center.
- Choose Health Coverage, then Report Coverage or Request Waiver.
- Enter your private insurance information and save, before the add/drop deadline.
BYU's FAQ says fall waivers apply to all students; winter, spring and summer waivers are for new students. International students (ELC, F-1 and J-1) can't use plans from insurers outside the U.S.; plans must be from a U.S.-based company and ACA-compliant. You can drop the BYU plan at the start of any semester or term by showing you've gained qualifying coverage.
The Winter 2027 add/drop deadline is Jan. 13; see BYU Winter 2027 semester dates.
UVU: a clinic, not a required plan
UVU Student Health Services runs a medical clinic in the Sorensen Center, second level, room SC 221. Its page says "no insurance is required" and "we do not bill insurance." You pay by debit or credit card for each service.
| Who can use it | Enrolled UVU students taking 3 or more credits |
| Medical services | Monday-Friday, 9 a.m. to 5 p.m. |
| Services | Illness and injury, allergies, immunizations, lab tests, prenatal care, prescription guidance, STI and TB testing, women's health |
| Prices | Listed per service; call 801-863-8876 |
| No-shows | A fee applies if you don't cancel 24 hours ahead |
The page doesn't describe a required student health insurance plan, so UVU students without coverage should look at an employer plan, a parent's plan or the federal marketplace. For hospitals, urgent care and costs around the valley, see our Utah Valley hospital networks guide.
Related guides
- Student health and wellness in Provo
- BYU tuition 2026-27
- UVU tuition 2026-27
- Utah Valley hospital networks, explained
- BYU married student housing
- Utah County Health Department: immunizations, flu shots and WIC
Frequently Asked Questions
Is health insurance required at BYU?
How much is the BYU Student Health Plan for 2026-27?
How do I waive the BYU health plan?
What is the BYU Student Health Plan deductible?
Does UVU require health insurance?
Where is the UVU student health clinic?
Do I have to use the BYU Student Health Center?
Sources
The facts in this guide were checked against these sources. Hours, fees and rules change, so confirm anything time-sensitive with the source before you go. How we make Provo.com.
- BYU Student Health Plan 2026-2027 (brochure), BYU Student Health Center and DMBA. Checked November 7, 2026.
- BYU Student Health Center: F.A.Q., BYU Student Health Center. Checked November 7, 2026.
- Student Health Services: Medical, Utah Valley University. Checked November 7, 2026.
