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Health Insurance

Do NOT Purchase an Alternate Plan for Fall 2026-2027. New UNF Insurance Regulations Approved

 

The UNF regulation for health insurance has been updated with implementation scheduled for enrollment in Fall 2026. The new requirements state alternate plans must meet the following criteria: 

  1. Comprehensive benefits covering medical, primary care, prescription, mental/behavioral health, and emergencyservices
  2. Provider access locally near campus for ongoing care in Florida
  3. A U.S.-filed health insurance plan, not limited to emergency-only, and no out-of-state restrictions on coverage
  4. Must have an unlimited maximum benefit
  5. Without any preexisting conditions limitations

Do not purchase any plans (example: ISO/ISI) for the 2026-2027 year until you have ensured they meet the above criteria. International students will be automatically enrolled in the Fall 2026 Aetna plan; a small number of approved waivers are anticipated (e.g. Embassy plans, etc.). 

If you have questions, contact Medical Compliance at (904) 620-2175. 

New UNF Health Insurance Requirements for Fall 2026: 
https://www.unf.edu/regulations-policies/02-academicaffairs/2-1130P.html 

Frequently Asked Health Insurance Questions

International Students in F or J Visa Status 

  • How do I enroll in the student health insurance plan? International students will be automatically enrolled in the Aetna student health insurance plan for Fall 2026 (8/17/2026 - 12/31/2026). 
  • What is the deadline for waiver submission? The deadline to complete the Fall 2026 waiver process is Friday, August 28, 2026. The system opens on June 22, 2026. Reply to the email from student@haylor.com to get a link to submit a waiver online. Please submit in June or July to avoid longer processing times close to the start of Fall 2026 classes. 
  • What happens if I do not submit by the deadline? If you have taken no action by the deadline, you will be billed $1,182 for the Fall 2026 Aetna student health insurance plan. If you have personal health insurance and want the charge refunded, you must submit a waiver online by the appeal window deadline: Friday, September 11, 2026 (5pm EST). 
  • What are the benefits/pricing for the Aetna student health insurance plan?  

You can review the plan benefits at https://haylor.com/college/university-of-north-florida/. 

Fall 

8/17/2026 – 12/31/2026 

Spring 

1/1/2027 – 5/9/2027 

Summer 

5/10/2027 – 8/16/2027 

$1,182 

$1,113 

$854 
  • My health insurance waiver got denied. What to do? You can request that your health insurance company provide you with a different plan that meets all the requirements. If that health insurance company does not offer a plan that meets all requirements, you can select a different alternate insurance plan that fulfills the requirements. Otherwise, you can enroll in the Aetna student health insurance plan. 
  • What are the new health insurance requirements for Fall 2026 and beyond?  

UNF Health Insurance Requirements: https://www.unf.edu/regulations-policies/02-academicaffairs/2-1130P.html 

International students in F or J visa status who decide to use an alternate health insurance policy will be audited each semester to ensure that the health insurance plan meets or exceeds the level of coverage offered by the UNF group insurance plan. 

1. Comprehensive benefits covering medical, primary care, prescription, mental/behavioral health, and emergency services 
2. Provider access locally near campus for ongoing care in Florida 
3. A U.S.-filed health insurance plan, not limited to emergency-only, and no out-of-state restrictions on coverage 
4. Must have an unlimited maximum benefit 
5. Without any preexisting conditions limitations 
Program of Study Students with a Health Insurance Requirement (Undergraduate Nursing, Nurse Anesthesiology Program, Family Nurse Practitioner, Graduate Nutrition & Dietetics, and Doctor of Physical Therapy Students) 
  • What is the deadline for waiver submission? The deadline to complete the Fall 2026 waiver process is Friday, August 28, 2026. The online portal https://haylor.com/college/university-of-north-florida/ opens on June 22, 2026. Please submit in June or July to avoid longer processing times close to the start of Fall 2026 classes. 
  • What happens if I do not submit by the deadline? If you have taken no action by the deadline, you will be billed $1,182 for the Fall 2026 Aetna student health insurance plan. If you have personal health insurance and want the charge refunded, you must submit a waiver online by the appeal window deadline: Friday, September 11, 2026 (5pm EST). 
  • What are the benefits/pricing for the Aetna student health insurance plan?  

You can review the plan benefits at https://haylor.com/college/university-of-north-florida/. 

Fall 

8/17/2026 – 12/31/2026 

Spring 

1/1/2027 – 5/9/2027 

Summer 

5/10/2027 – 8/16/2027 

$1,182 

$1,113 

$854 
  • My health insurance waiver got denied. What to do? You can request that your health insurance company provide you with a different plan that meets all the requirements. If that health insurance company does not offer a plan that meets all requirements, you can select a different alternate insurance plan that fulfills the requirements. Otherwise, you can enroll in the Aetna student health insurance plan. 
  • What are the new health insurance requirements for Fall 2026 and beyond?  

UNF Health Insurance Requirements: https://www.unf.edu/regulations-policies/02-academicaffairs/2-1130P.html 

Non-international students in a program of study with a requirement for health insurance who decide to use an alternate policy will be audited annually to ensure that the coverage is active and meets the requirements below. 

1. Comprehensive benefits covering medical, primary care, prescription, mental/behavioral health, and emergency services 
2. Provider access locally near campus for ongoing care in Florida 
3. Must have an unlimited maximum benefit 
4. Without any preexisting conditions limitations

Need Health Insurance Coverage? Free Healthcare Navigator

Get in touch with a Healthcare Navigator for free enrollment assistance to help you find an affordable plan that meets your needs. Please visit Northeast Florida Healthcare Navigator Program to schedule a free phone, Zoom, or in-person meeting. 

QR code to link to northeast Florida navigator program

Northeast Florida Healthcare Navigator Program Website

Covering Florida Healthcare Navigator Program Flyer

Health Insurance Exchange and Marketplace: Get Started Today at www.healthcare.gov

Health Insurance Exchange vs. UNF Student Insurance

UNF Student Health Insurance Enrollment

To take advantage of the 2026 - 2027 Aetna Student Health Insurance Policy, you must be enrolled as one of the following students who have a requirement for insurance: 

  • International Students (F or J Visa Status)
  • Graduate Nutrition and Dietetics Students
  • Undergraduate Nursing Students
  • Nurse Anesthesiology Program Students
  • Family Nurse Practitioner Students
  • Doctor of Physical Therapy Students

All other students should use the Northeast Florida Healthcare Navigator Program to be assisted with finding an insurance program which meets your health and financial needs.

To enroll in the Fall 2026 Aetna student health insurance plan, please check your N# email inbox for an email from student@haylor.com. For more information about the student health insurance plan, please visit https://haylor.com/college/university-of-north-florida/.

UNF has appointed the Alera Group as the Health Insurance Broker of Record.

Enroll and Waive Coverage

Information on how to use the online Alera Group Portal can be found at https://haylor.com/college/university-of-north-florida/. International students, you can reply to the email from student@hayor.com if you need to waive with a personal health insruance plan. Program of study students, you can login online at https://haylor.com/college/university-of-north-florida/ to enroll or waive.

The Alera Group (Haylor, Freyer, & Coon)

International students in F or J visa status are automatically enrolled by the University of North Florida, unless proof of coverage is approved in the online Alera Group portal. Program of study students have the options to enroll in the Aetna plan or waive online. Aetna members have access to the following:

  • Telehealth solutions through Teladoc
  • The Aetna network will provide maximum benefits at the lowest cost.
  • Access to On Call International for medical evacuation services and healthcare coverage while traveling abroad.
  • CVS ExtraCare Plus program (24/7 access to CVS pharmacists and Rx delivery)
  • You can visit https://www.aetnastudenthealth.com/en/school/198845/index.html to get access to your Aetna health insurance ID card

Some of the benefits include a $20 copayment for generic medications and a $35 copayment with the deductible waived for an office visit to an in-network physician or specialist. For more information, visit:

https://haylor.com/college/university-of-north-florida/

For International Students Only (Students in F-1, F-2, J-1, or J-2 Status)

If you decide to purchase an alternate insurance policy, please verify that all mandated benefits listed below are provided by your plan. 

Health Insurance Requirements FL BOG 6.009

UNF Health Insurance Requirements 

Please ensure that your alternate health insurance coverage is active for the dates listed below. 

FALL 2026 - 08/17/2026-12/31/2026

SPRING 2027 - 01/01/2027-05/09/2027

SUMMER 2027 - 05/10/2027-08/16/2027

You have the option to (1) enroll in the Fall 2026 Aetna plan or (2) waive coverage with your personal health insurance plan.

  1. Enroll: If you want to enroll in the Aetna health insurance plan, please select the option to enroll online. The $1,182 international health insurance charge will then be added to your myWings bill. You can visit https://www.aetnastudenthealth.com/en/school/198845/index.html to get access to your Aetna health insurance ID card.
  2. Waive: If submitting an electronic waiver, the Alera Group team will be validating that your health insurance plan benefits are meeting the requirements each semester. This electronic auditing process is for your benefit and ensures that you can get access to any needed healthcare services. You are required to upload a health insurance ID card, dates of active coverage, and documentation of plan benefits. You do not need to upload the UNF compliance form. If your waiver is denied, you will need to obtain a different personal health insurance plan that meets the requirements or opt to enroll in the Aetna plan.

Lessons learned from previous waiver processes:

Most common reasons for a denied waiver:

  • Failure to provide document(s) with plan benefits. This is needed in addition to your health insurance ID card.
  • Policy documents not in English.
  • Policy documents not in US dollars.

 

Optional Dental and Vision Insurance

All University of North Florida students are eligible to purchase dental and vision insurance. To view plan benefits and enroll online, please visit the Vision Insurance Plans for UNF Students | Aetna . You can review the voluntary dental plan online at https://haylor.com/college/university-of-north-florida.