All full-time status residential students (students living in Moody-owned housing) on the Chicago campus, international students on all campuses (living on-campus and off-campus), and all Spokane students attending on-campus courses are required to be covered by a comprehensive health insurance plan.
All required students will be automatically enrolled in Moody Student Insurance and charged the individual plan premium. All international students with F-1 status, their spouses, and dependent children are required to carry health insurance when those dependents are living with the student and may not waive Moody’s health insurance plan.
Eligible students may waive the Moody Student Insurance policy if they have an approved alternate plan for the entire time that they are enrolled as a student, including breaks between semesters. Students are responsible for full compliance with all terms and conditions of their insurance policy, for following the payment policy of the health care provider, office, clinic, or hospital from which they receive services, and any expenses not covered by their insurance (deductibles, copayments, excluded items and services, etc.). This may mean that payment is required at the time of service. Students may not waive mid semester and must wait until the next open-enrollment period.
Commuter students are eligible to participate in Moody’s health insurance plan provided that one or more of the following conditions apply: Full-time status; students completing their student teaching requirements; or graduating seniors in their final semester. Dependent coverage is only available for international students.
Listed below are the prices for Moody’s student health insurance plan for the 2025–2026 academic year. A separate $22 insurance handling fee is assessed to each student, per semester, whether Moody insurance is taken or waived.
Chicago Campus
| Insurance Premium | ||
|---|---|---|
| Policy | Fall 2025 | Spring and Summer 2026 |
| Student | $990 | $1,544 |
| Additional family member (international only) | $990 each | $1,544 each |
Moody Aviation
| Insurance Premium | ||
|---|---|---|
| Policy | Fall 2025 | Spring and Summer 2026 |
| Student | $1,267 | $1,267 |
| Additional family member (international only) | $1,267 each | $1,267 each |
Please note the following:
- If both husband and wife are students, they may each enroll under the individual plan.
- The alternate insurance plan must cover the student in the location of their designated campus and be effective for the entire academic year, including breaks.
- The waiver form must be submitted every year in which the student is enrolled with a copy of both sides of their current insurance though their student portal.
- Students who withdraw from Moody Bible Institute after September 8, 2025 (Fall Semester) or February 6, 2026 (Spring Semester) will not be refunded for the insurance premium.
Insurance Waiver Policy
If a student chooses to be covered under another insurance plan, the student must complete the waiver through their student portal by August 25, 2025, for the 2025/2026 academic year. To waive your insurance, please complete the waiver online form through the following link: Aetna Insurance Waiver. If the waiver is not submitted by this deadline, students will be automatically enrolled in the school’s insurance plan for the entire 2025/2026 academic year with no exceptions.
For New students Enrolling for Spring 2026:
If you are a new student enrolling for the spring 2026 semester you must submit a waiver by January 31, 2026. To waive your insurance, please complete the waiver online form through the following link: Aetna Insurance Waiver. If the waiver is not submitted by this deadline, students will be automatically enrolled in the school’s insurance plan for the spring and summer semesters.