Health Insurance

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. 

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 2023 - 2024 Student Health Insurance Policy, you must be enrolled as one of the following students who have a requirement for insurance: 

• International Students
• Doctor of Physical Therapy Students
• Nutrition and Dietetics 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 2023 Aetna student health insurance plan, please check your N# email for an account activation email from Academic Health Plans. For more information about the student health insurance plan, please visit unf.mycare26.com.

• Understanding Insurance Terms
• 5 Ways To Save
• Benefits of Aetna

UNF has appointed Academic HealthPlans (AHP) as the Broker of Record as part of the Consortium Student Health Insurance Plan.  FL Consortium Broker of Record Letter

Enroll and Waive Coverage

Information on how to use the Academic HealthPlans' Portal can be found at https://unf.mycare26.com/enrollment. Excerpts on how to enroll and how to waive coverage are below.

How to Enroll

How to Waive Coverage

Academic HealthPlans (AHP)

Eligible students are automatically enrolled by the University of North Florida, unless proof of coverage is approved in the online Academic HealthPlans (AHP) portal. Enrolled students may opt to purchase coverage for eligible dependents.  AHP provides:

• Telehealth solutions through AcademicLiveCare
• Aetna PPO is the Preferred Provider and will provide maximum benefits at lowest cost
• Access to Academic Student Assistance Program (ASAP)
• Academic Emergency Services

Some of the benefits include a $500 individual deductible per insured person, per year at an in-network provider and 100% after a $30 copayment with the deductible waived for a visit to an in-network physician, specialist, or consultant.  For more information, visit:

• MyCare26
• Benefits of Aetna
• Aetna enrollment information

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

You must either enroll or waive the Fall 2023 Aetna student health insurance plan in your online Academic Health Plans (AHP) account. Please check your N# email for an account setup email from AHP. 

If you decide to purchase an alternate insurance policy, please verify that mandated benefits (a)-(m) on the document below are provided by your plan.

Health Insurance Requirements FL BOG 6.009

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

SUMMER 2023 - 05/15/23-08/20/23
FALL 2023 - 08/21/23-01/07/24
SPRING 2024 - 01/08/24-05/12/24

Thank you for submitting your Fall 2023 health insurance information in the Academic Health Plans online portal! For the upcoming Spring 2024 semester, we will please repeat this process again in the AHP system starting on November 2^nd. You have the option to (1) enroll in the Spring 2024 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 $1,170 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 AHP team will be validating that your health insurance plan benefits are meeting the requirements each semester (https://www.flbog.edu/wp-content/uploads/6_009-Admiss-of-Intern-Students-1.pdf). 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 the Fall 2023 waiver process:

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.

The AHP online portal to enroll/waive will open on 11/02/2023. Please mark this date on your calendar.

SPRING 2024: 01/08/2024-05/12/2024 (health insurance coverage dates needed for Spring 2024)

If you will be out of the USA before 5/12/2024 for Spring 2024, you can upload a flight itinerary to the AHP system if your health insurance coverage ends before 5/12.

Please make your decision to enroll or waive ahead of time so that you can be ready to enter your decision online on November 2nd.

AHP Health Insurance Educational Videos

AHP Website Walkthrough (2 minute video)

Health Insurance 101 Terminology (2 minute video)

Levels of Care (2 minute video)

How to Read a Medical Bill (1 minute video)

Questions to Ask Your Doctor (1 minute video)

Please visit the AHP video library to learn more about health insurance.

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 Dental/Vision Insurance Page.