Health Insurance for Undergraduates

Health insurance is an investment in your well-being and peace of mind.


Population Registered for Requirement
U.S. citizens and permanent residents 3-8 credit hours Not automatically enrolled and charged for insurance. Eligible to purchase USF- sponsored health insurance plan online
U.S. citizens and permanent residents 9+ credit hours

Required. Automatically enrolled and charged for insurance (excluding visiting students, certificate programs, and online programs).


The deadline to waive or enroll in the student health insurance plan is September 1 2015.

For more information on the USF-sponsored health insurance plan, including benefits, cost, and claims, visit Student Plan.

Undergraduate students who are required to have health insurance and all undergraduate International Students will be automatically enrolled and charged for the USF-sponsored health insurance plan.

Undergraduate students who wish to voluntarily enroll in the USF-sponsored health insurance plan online can follow these steps:

  1. Go to the Aetna Member Navigator Website.
  2.  In the left navigation menu, click on "Medical Plan: Enroll."
  3. Click on the submenu "Undergraduate Students."
  4. Click on "Enroll: Undergraduate Students."
  5. Follow the prompts to enter all the necessary information to enroll.
  6. After entering all the necessary information, pay using a Visa or Mastercard.

Opt Out Criteria

 Criteria for waiving the health insurance requirement:

  • Health plan must be provided by a company licensed to do business in the United States, with a U.S claims payment office and phone number. 
  • Health plan must provide an unlimited policy year benefit maximum.
  • Health plan must pay at least 80% of covered medical expenses (80/20 co insurance).
  • Health plan must have an annual out of pocket maximum of $6,350(individual)/$12,700(family) or less.
  • Health plan must provide access to Medical care (including primary care office visits,routine health examinations, and preventative care) within 20 miles of my school campus. City health insurance plans(i.e Healthy San Francisco, Contra Costa County.ect.) do not meet USF insurance requirements. 
  • Health plan must cover hospital stay for all medical, surgical, and mental health/substance abuse conditions without limitations.
  • Health plan must provide unlimited doctor office visits(primary care visits) for medical and mental health. 
Instructions on how to submit the waiver:
  1. Go to the waiver application on the  Aetna Navigator Member Website
  2.  In the left navigation menu, click on "Medical Plan: Waive."
  3. Scroll down and click on "Waive: Student Health Insurance Plan."
  4. Follow the prompts to enter all the necessary information for your waiver.       
Please note: If you encounter any problems submitting your waiver, please call Health Promotion Services at (415) 422-5797.



Students who wish to waive the insurance requirement must do so by the deadline. 

  • The waiver deadline for the Fall 2015 semester is September 1, 2015 at 5pm.