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 2024 - 2025 Student Health Insurance Policy, you must be enrolled as one of the following students who have a requirement for insurance: 

• International Students
• Graduate Nutrition and Dietetics Students
• Undergraduate Nursing 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 2024 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 Academic Live Care
• Aetna PPO is the Preferred Provider and will provide maximum benefits at lowest cost
• Access to Academic Student Assistance Program (ASAP)
• Academic Vision Care
• 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 $40 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 2024 Aetna student health insurance plan in your online Academic Health Plans (AHP) account https://unf.myahpcare.com. Please check your N# email for an account setup email from AHP. 

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 2024 - 08/17/24-01/07/25

SPRING 2025 - 01/08/25-05/12/25

SUMMER 2025 - 05/13/25-08/16/25

You have the option to (1) enroll in the Fall 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 $1,217 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://unf.myahpcare.com/waiver). 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.

Frequently Asked Health Insurance Questions

International Students in F or J Visa Status and Nursing Students Starting In Spring 2025

1. What is the deadline for waiver submission? The deadline for Spring 2025 waiver submissions is Jan. 10^th, 2025.
2. What happens if I do not submit by the deadline? If you have taken no action by the deadline, you will be billed $1,217 for the Spring 2025 Aetna student health insurance plan. If you have personal health insurance and want the charge refunded, you must submit a waiver and have it approved before the appeal window closes on Jan. 30^th, 2025.
3. What happens if my waiver is approved after the payment deadline? The payment deadline is Mon. Jan. 13^th at 5pm for Spring 2025. If your waiver is approved after 1/13/2025, you will receive a $1,217 credit to your UNF account for Spring 2025. https://www.unf.edu/controller/student-financial-services/whentopay.html
4. What are the benefits/pricing for the Aetna student health insurance plan (available to international students, undergraduate nursing students, and graduate nutrition & dietetics students who have mandatory health insurance)?

You can review the plan benefits at https://unf.myahpcare.com/benefits.

5. My health insurance waiver got denied (international students). 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.

UNF health insurance requirements: https://www.unf.edu/regulations-policies/02-academicaffairs/2-1130P.html

6. My waiver was denied (undergraduate nursing students and nutrition & dietetics students). What to do? You must have a health insurance plan that is active and not expired. There are no specific plan benefit requirements. If your waiver is denied, you will need to resubmit a waiver with an active health insurance plan.
7. What are my options for alternate health insurance for international students? The 2 most popular alternate insurance providers are listed below.
   1. International Student Organization (ISO): https://www.isoa.org/university_of_north_florida
   2. International Student Insurance (ISI): https://www.internationalstudentinsurance.com/school_requirements/3726/University_of_North_Florida.html
8. What are the new health insurance requirements for Spring 2025 and beyond for international students?

The minimum requirements for international students are outlined by Florida Board of Governors Regulation 6.009, Admission of International Students to State University System (SUS) Institutions, at https://www.flbog.edu/wp-content/uploads/6_009-Admiss-of-Intern-Students-1.pdf.

UNF requires the following health insurance plan benefits for international students (F and J visa holders) in addition to the minimum standards listed above:

• Overall plan deductible: maximum of $500 per year.
• Inpatient/outpatient prescription medication: must include coverage of $1,000 or more per policy year.
• A minimum of $100,000 coverage, 80% in network/60% out of network, for preventive/wellness services as outlined by HealthCare.gov at https://www.healthcare.gov/preventive-care-adults/

Optional Dental Insurance

All University of North Florida students are eligible to purchase dental insurance. To view plan benefits and enroll online, please visit the Dental Insurance Page. If you are enrolled in the Aetna student health insurance plan, you automatically have free access to vision benefits through Academic Vision Care.