Alternative Insurance Coverage Options
By providing this information, Northwestern is not endorsing any of the options below.
Illinois All KidsIllinois All Kids Website
- All Kids offers qualifying Illinois children comprehensive healthcare, including doctors’ visits, hospital stays, prescription drugs, vision care, dental care, and medical devices like eyeglasses and asthma inhalers.
- Families pay monthly premiums for coverage, based on income level; rates for low- and middle-income families are significantly lower than private plans.
All Kids Hotline 1-866-ALL-KIDS (1-866-255-5437)
For Individuals and Families
Illinois Health Insurance MarketplaceIllinois Health Insurance Marketplace Website
Health insurance now is required in the U.S.
- The Marketplace allows individuals, families, and small businesses to compare health plans, answers insurance questions, find out if they are eligible for tax subsidies for private insurance or health programs like the Children’s Health Insurance Program (CHIP), and enroll in an insurance plan that meets their needs.
- Individuals who don't have continuous health insurance coverage may face tax penalties.
- Students can purchase insurance coverage only through an Exchange in a state in which they are a legal resident. Students whose legal residence is outside Illinois must use their home state’s established Exchange to research/purchase alternate insurance plans. Please note: out-of-state HMO plans do not meet Northwestern's comparable coverage requirements.
- Students may be eligible for subsidies to reduce premium costs. Please note that subsidies are calculated based on your previous year's federal taxes, and changes in your income may impact how subsidies are applied and taxed.
Special Open Enrollment Period for NU-SHIP Enrollees
- The NU-SHIP plan year runs from September 1 through August 31, annually.
- When your NU-SHIP coverage terminates, you are eligible to apply for an Exchange-based plan through the Health Insurance Marketplace during a Special Enrollment Period.
- You must enroll within 60 days of your NU-SHIP coverage ending (i.e., within 60 days of August 31, or whenever your coverage terminates).
Waiving NU-SHIP Coverage
- Alternate insurance plans purchased through a state or federal Exchange must meet Northwestern’s requirements for comparable coverage (for more details on comparable coverage requirements, click here).
- Plans also must provide routine, non-emergency care (medical and mental health) in the Chicago / Evanston area.
We are excited about options that are available through the Illinois Health Insurance Marketplace and heathcare.gov. We look forward to promoting these options in accord with existing Northwestern policies regarding health insurance coverage.
For Alumni ONLY
(not an alternative to NU-SHIP coverage for currently enrolled students)
With so much at stake in your personal and professional life, the benefit programs available to you include assistance with some of the most important decisions you will ever make. These decisions will help you protect your future, and the future of your family. Mercer Consumer, a service of Mercer Health & Benefits Administration LLC, in partnership with the Northwestern Alumni Association, will give you the information you need to make informed decisions about your benefits. Plans available can help bridge the gap between your Student Health Insurance Coverage and employer based coverage. Please click here (link) for more information on plans offered to Northwestern Alumni. For long term coverage we recommend checking with the Health Insurance Marketplace (link) for your home state.