The University of Florida requires health insurance for all UF students. Insurance for both J-1 students/exchange visitors AND their J-2 dependents is a federal requirement. It is each student’s and exchange visitor's responsibility to maintain valid health insurance at all times.

Health Insurance for F-1 and J-1 Students

Students' health insurance must meet the Affordable Care Act requirements. The following information explains the insurance process:

  1. There will be an insurance information hold on the student record hold screen in one.UF, which the student must read and agree that he/she understands.
  2. A charge for insurance will show up on the student bursar record 30 days prior to the start of the fall semester and every semester after that, if a student has not shown proof of health insurance.
  3. To remove this charge, a student may waive it by showing proof of health insurance that meets the UF requirements (as outlined on the website-see #4).
  4. To waive the charge and show proof of insurance coverage, please go to:
  5. Please direct any questions concerning the new policy to Health Compliance Office  or phone number 352-294-2925
  6. For assistance with the initial waiver process, please contact Maryshelly Quiñones at UFIC:

UF Sponsored Plan for all Undergraduate and Graduate Students: United HealthCare Insurance

On the United HealthCare website, students will be able to see full details of coverage, prices, and be able to enroll online. If a student has questions, contact the Local Servicing Agent, Scarborough Company-Insurance, Inc. Their phone # 352-377-2002.

Please click HERE to enroll for insurance.

The dates for the terms for which students may enroll are as follows:
Fall: 08/16/2019 - 01/05/2020
Fall/Spring: 08/16/2019 - 05/10/2020
Annual 2019-2020: 08/16/2019 - 08/15/2020
Spring: 01/06/2020 - 05/10/2020
Spring/Summer 2020: 01/06/2020 - 08/15/2020
Summer 2020: 05/11/2020 - 08/15/2020

Other Health Insurance Plans that are ACA Compliant:


If the student is a graduate assistant, teaching assistant, or research assistant and is enrolled and eligible for GatorGradCare Health Insurance, this coverage meets the mandatory health insurance requirement. The student does not need to do anything else after submitting the GatorGradCare enrollment through the enrollment site and agreeing to the mandatory health insurance requirement policy through their One.UF account.  Because of the timing, students will see the charge for the school-sponsored plan on their account until the GatorGradCare eligibility is confirmed. Students should not pay this charge because it will be removed once the GatorGradCare eligibility is confirmed after the drop/add period.  Please note that GatorGradCare enrollment is not automatic; students must enroll in GatorGradCare each academic year they are eligible.

Additional Details:

  • What if you do not have health insurance?
    We are proceeding with the Mandatory Health Insurance requirement as an Opt Out system where students who don't opt out by providing documentation of adequate health insurance will be automatically enrolled in the school-sponsored plan. A student may either purchase outside health insurance that meets the requirements for comparable coverage or he/she can be auto-enrolled in the school-sponsored plan.
  • What if I do NOTHING before the deadline?
    Students that take no action will be auto-enrolled in the school sponsored Student Health Insurance Plan and a charge will be placed on their account according to specific semester deadlines. Students will not be able to appeal this charge after the Insurance Waiver Deadline has passed.  For students that have comparable health insurance coverage, please submit the waiver PRIOR to the deadline and the charge will be removed.


More information including insurance coverage guidelines, frequently asked questions, how to submit one's insurance information and more, can be found at If a student has further questions, please contact UF Student Health Care Center's (SHCC) Health Compliance Office  or phone number 352-294-2925. For additional questions about the requirement, contact the Dean of Students Office at (352) 392-1261.

Health Insurance for J-1 Scholars

U.S. government regulations require all J-1 principals and their J-2 dependents to have Sickness and Accident insurance, and Medical Evacuation and Repatriation insurance in effect for the duration of the J status validity period. Acceptable proof of such coverage as meets the federal requirements will be determined by Exchange Visitor Services staff. Please note that it is the exchange visitor's responsibility to maintain valid health insurance for themselves and any active J2 dependents at ALL times from the start date on the DS-2019 until the end date on the DS-2019. A willful failure on the part of the exchange visitor to maintain effective insurance will result in termination of the visitor's program. If an exchange visitor or his/her J-2 dependents are outside of the U.S., the exchange visitor and dependents are still required to maintain current health insurance in order to maintain legal status and an active DS-2019.

Below is a list of pre-approved plans that are strongly recommended by the UFIC, as we work closely with these companies and will be able to assist should any issues arise. The exchange visitor can simply print out the ID card for one of these policies which we will accept as proof of coverage. However, if an exchange visitor is looking to be covered by another insurance provider that is not listed below, the exchange visitor must first provide proof that that insurance meets the J visa requirements to the International Center. An exchange visitor can do this by having the insurance provider print in English the dates of coverage he/she will have (beginning and end-dates), his/her name with date of birth along with any J-2 dependents, and the dollar amount in U.S. currency for the specified categories listed on our Insurance Verification Form. If an exchange visitor is unable to provide proof of health insurance, he/she will be required to purchase one of the pre-approved plans that meet the mandatory requirements. If the exchange visitor purchases one of these plans, the exchange visitor must submit confirmation of purchase for him/herself and along with any dependents that are covered under his/her policy.

The required insurance coverage must be purchased for a minimum of a 90-day period. Exchange visitors who will hold J status for less than 90 days may purchase insurance coverage on a month-to-month basis until the end of their program.

If an exchange visitor is eligible to enroll in the State of Florida health insurance plans, the exchange visitor will still need to purchase insurance to cover him/herself until the State of Florida insurance coverage is active. Be aware that the state benefit plans DO NOT meet the medical evacuation and repatriation requirements, so exchange visitors MUST purchase a supplemental policy that provides appropriate coverage for the duration of their stay.  Please be aware that although the State of Florida standard PPO and HMO are acceptable plans, the high deductible HMO and PPO DO NOT meet the requirements for international scholars and are not acceptable as proof of insurance.

If an exchange visitor is eligible for GatorGradCare or postdoctoral associate GatorCare Options health insurance, the exchange visitor must still purchase insurance to cover him/herself until the GatorCare insurance coverage is active. Please check with the host department to find out if the exchange visitor is eligible for GatorGradCare or GatorCare Options for postdoctoral associates. These plans DO meet the medical evacuation and repatriation requirements, so an exchange visitor WILL NOT be required to purchase a supplemental policy providing this coverage spans the duration of stay as noted on the DS-2019.

Please send all insurance confirmations or questions to:

    Insurance policies must meet the following requirements
    1. Medical benefits of at least $ 100,000 per accident or illness, as of January 1, 2015;
    2. Repatriation of remains in the amount of $25,000;
    3. Medical Evacuation in the amount of $50,000;
    4. A deductible not to exceed $500 per accident or illness (also may include a 6 month waiting period for pre-€existing conditions and 25% co-payment);
    5. Policy shall not unreasonably exclude coverage for perils inherent to the activities of the Exchange Program in which the Exchange Visitor participates;
    6. Any insurance policy secured to fulfill these requirements must meet minimum Insurance Solvency rating:
      1. Underwritten by an insurance corporation having an A.M. Best rating of "A-"€œ or above, an Insurance Solvency International, Ltd. (ISI) rating of "A"€ or above, a Weiss Research, Inc. rating of B+ or above;
      2. Backed by the full faith and credit of the government of the exchange visitor’s home country; OR
      3. Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; OR
      4. Offered through or underwritten by a federally qualified Health Maintenance Organization (HMO) or eligible Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration of the US Department of Health and Human Services;
    7. Must be acceptable in all medical facilities.
    Pre-approved Companies and Plans for J-1 Scholars: Accident and Illness Insurance
    International Student Protection
    Trail Blazer, UF Scholar Trail Blazer Plan (1 month minimum)
    Has a level of maternity coverage. J1 must be ensure also. With a six month waiting period for any Pre-Existing Conditions. May cover J2 dependents alone ONLY under the Patriot Exchange (1 month minimum).
    PSI - Professional Service, Inc.
    Gold and Diamond (1 month minimum. Must be purchased online)
    Has a level of maternity coverage. J1 must be ensure also. With a six month waiting period for any Pre-Existing Conditions.
    SCI - €Scarborough Company Insurance, Inc. 
    Scholar/Faculty Insurance Plan (1 month minimum).
    Has a level of  maternity coverage. J1 must be ensure also. 

    NOTE: EVS is no longer accepting Seven Corners, Visit and Inbound insurance policies.


    Supplement - The insurance listed below can only be used as a supplement to a policy that does not provide medical evacuation and repatriation (for example, those who are eligible for UF benefits).
    ISP BETA Scholastic
    111 John Street, Suite 750
    New York, NY 10038
    Phone: 1-212-693-3717
    Toll Free: 1-877-738-5787
    Fax: 1-212-693-4753

    Please send all insurance confirmations to: