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International students holding individual U.S. insurance plans compliant with the UWF University Policy AC-06.04-03/24 AND Florida Board of Governors' Regulation 6.009 may submit theInsurance waiver request (PDF) form (find the form and detailed instructions in the Waiver Request Instructions below). The insurance policy must comply with all stated requirements, or the waiver request will not be approved. No travel, international, or short-term plans of any kind are accepted, and medical evacuation and repatriation insurance cannot be waived.

Do not purchase a different insurance for the sole purpose of requesting a waiver. 

Travel insurance requiring reimbursement for medical services does not meet the regulation. 

Plans purchased on a healthcare marketplace are not eligible for a waiver. Please be advised that the Office of International Affairs is not equipped to advise on the potential impact government-subsidized healthcare can have on your non-immigrant visa status and tax filing obligation. We strongly recommend you consult with an immigration and/or tax attorney before purchasing a subsidized health insurance plan on the Marketplace Exchange. 

Waiver Requests may be submitted only if the following statements are true about the insurance plan you are submitting for the waiver:

  1. You already have the insurance and it was not purchased specifically for study at UWF with the intent to request a waiver. This means only pre-existing coverage such as coverage you had before you were admitted to UWF can be submitted.
  2. Your insurance coverage is the same as the group plan or provides greater than the coverage of the group plan. 


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titleHow to Submit a Waiver Request - Click to Open Instructions

If purchasing insurance that is not the UWF Plan through LewerMark, you must have the company confirm the insurance meets all of the requirements of the UWF University Policy AC-06.04-03/24 AND Florida Board of Governor's Regulation 6.009 and meets or exceeds the coverage of the UWF LewerMark Plan for International Student Insurance. 

 If you choose to submit the waiver with an alternate health insurance plan, you will need to provide electronic copies of the following documents:

  • Completed Waiver Request Form. < Download the request form and fill it completely before submitting it.)
  • A coverage letter or scanned copy of the front and back of your health insurance ID card indicating the student as a covered member.
  • A scanned copy of your complete policy, including coverage amounts, exclusions, and limitations in English using US dollars.

View file
name23-24 International Student Health Insurance Waiver Request UWF.pdf
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Waiver Requests must be emailed to waivers@lewermark.com. 

  • All Waiver Requests must include the Student's Name and UWF in the emailed request along with attached Waiver Request Form AND the required Proof of Insurance Documents. 
  • Proof of insurance must be submitted with a completed waiver request form. (PDF Link)
    • Proof of insurance required documents are
      • Your insurance card or letter which confirms you are enrolled in the AND
      • The Full Policy Details or "Schedule of Benefits." - This is expected to be a very long document. A policy "brochure" or "plan summary" is not adequate. 
    • All Proof of insurance documents MUST be in English - provided by the insurance company, not translations you may make. 
    • Waiver Requests with documents that are not in English will be denied. 
  • Waiver requests submitted for insurance that does not meet ALL of the requirements outlined in UWF University Policy AC-06.04-03/24 AND BOG REG 6.009 will be denied.
  • Requests submitted without ALL required documentation will be denied. 
  • Please review all emails from International Affairs regarding insurance for important dates and deadline reminders. 
  • Please note that foreign insurance companies and travel insurance plans do not meet the State of Florida regulations. 
  • With the improved waiver review process, it is possible that plans that have previously been accepted may not be accepted for Fall 2023 and beyond. 
  • UWF strongly encourages students to verify alternative insurance will meet ALL State of Florida requirements for international student insurance BEFORE purchasing. 

Late Opt Out Requests will not be accepted. 

  • Students who have not submitted a valid waiver by the deadline will be enrolled in the UWF Plan through LewerMark and the insurance fees charged to the student Transact (formerly CashNet) account. 

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After your Opt Out Request has been submitted, you will receive an email that your waiver is pending review. If your request is incomplete, you will be told what documents are missing. Waiver requests must be complete by the deadline for submission. The review takes several days.

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  • If your waiver is accepted, you will receive an email confirming your insurance meets ALL the requirements of Florida Board of Governor's Regulation 6.009 and UWF University Policy AC-06.04-03/24
  • Students are responsible for maintaining their insurance for the full year: August 15, 2024, to August 14, 2025.
    • If a student is approved to OptOut and it is found the student later canceled or let their insurance expire/lapse, their F1 Status SEVIS Record will be terminated for failure to maintain enrollment Requirements as an F1 international student at UWF. 
  • The Fee for insurance will be removed from the student's Transact (formerly CashNet). 
  • Opt Out approvals are for the current plan year; the Plan year is August 15 to August 14 annually.
  • If students Opt out for Spring/Summer, they must submit a new Opt Out Request before Fall. 

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titleI have partial or full tuition fee waiver. Does that apply to insurance?

As noted on your Form I-20, health insurance is a required expense for F1 students at UWF and is separate from the tuition fees. 

Tuition waiver (if a student has one) does not apply to fees that are not tuition. Insurance fee is not part of or included in the tuition fee. 

A Graduate Assistantship DOES NOT waive insurance requirements or fees. 

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titleI plan to go home for the summer. Can I waive out with just Fall and Spring insurance?

The insurance requirement states students must have continuous coverage continuous coverage for their full program at UWF including semester breaks and summer. F1 students must have coverage in summer, even if they plan to travel home during a break. 

Waiver requests must demonstrate students will have coverage for the full year, 365 days. 

J1 students studying at UWF for less than a full year must have insurance for the full duration of the program DS2019. 


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titleI found a document online that says UWF student can use a different insurance that was "pre-approved." Can I use that?

Students should refer to the current information found in Confluence about Insurance Requirements for the Fall 2023 term and beyond. 

Documents you may find in a web search that are not current for Fall 2023 and beyond are no longer valid.

UWF has worked very hard to identify the best insurance option for students that meets and exceeds the minimum requirement of the Board of Governors Regulation for the insurance requirement. Over time, some plans that were previously accepted have been identified as not meeting requirements - Updates to the list of plans that are not accepted have been made in the best interest of students. 

Do not enroll in insurance if you have found it listed as accepted for UWF students for a term before Fall 2024. 

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titleCan I use a Marketplace Plan?

Please be advised that UWF Office of International Affairs is not equipped to advise on the potential impact government-subsidized healthcare can have on your non-immigrant visa status and tax filing obligation. We strongly recommend you consult with an immigration and/or tax attorney before purchasing a subsidized health insurance plan on the Marketplace Exchange. 

Do not purchase insurance for the sole purpose of requesting a waiver of the UWF Group Plan. 

UWF reserves the right to decline/reject installment/monthly payment policies. 

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