Insurance


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Required Insurance for International Students

International students, scholars, and dependents of international students and scholars are all required to have health insurance coverage by law. Failure to provide proof of coverage is a violation of non-immigrant status and is grounds for termination.

The F-1 and J-1 Health Insurance Compliance Form is required to show proof of coverage. Plans purchased from Gallagher Koster are exempt from this requirement. 

Many foreign insurance companies and travel insurance plans do not meet the State of Florida regulations. The policies listed below meet State of Florida regulations and are recommended. 


Select the correct category below to see additional information:

Insurance for F-1 Degree Seeking Students
  • Students on an F-1 visa are required to have health insurance which meets State of Florida regulations. Covergae is required for the entire academic year. If a policy other than Gallagher Koster, the carrier recognized by UWF, is purchased, the insurance company is required to complete a Health Insurance Compliance Form.

    If the insurance company does not provide documentation in English, a different policy is needed.

    If the insurance company does not complete the form with all “YES” boxes checked, a different policy is needed.

    If the insurance company does not fill in the coverage dates for one academic year, until August 14, 2015, a different policy is needed.

    Click the Sample Health Insurance Compliance Form to see an example of a correctly completed Health Insurance Compliance Form. Note the dates of coverage and all “YES” answers.

    How to Pick an Insurance Policy

    Picking an insurance policy can be confusing. Better policies offer better coverage. Better coverage is more expensive. The following policies meet State of Florida regulations:

    Gallagher Koster THIS IS THE RECOMMENDED POLICY

    This plan offers the best coverage and is the school’s recommended plan.

    A Health Insurance Compliance Form is not needed for this plan.

    Enroll at http://www.gallagherkoster.com/FloridaUSystem.

    Select “University of West Florida.”

    Select “International Student Enroll.”

    After two or three business days, download the verification letter from your Gallagher Koster account and email it to intered@uwf.edu.

    Click the Sample Gallagher Koster Verification Letter to see a sample.

    Insurance for Students THIS IS A GOOD ALTERNATIVE

    This plan may be cheaper, but if this plan is used, it costs more when you visit the doctor.

    Enroll at Insurance for Students.

    Remember that coverage is needed until August 14, 2015.

    The ICS Discount Plan is the only one that meets State of Florida regulations.

    A Health Insurance Compliance Form is needed with this plan.

    A verification letter is needed. Click the Sample Insurance for Students Insurance Verification Letter to see a sample.

    Send the verification letter and Health Insurance Compliance Form to intered@uwf.edu.

    HCC Student Select Insurance THIS IS A GOOD ALTERNATIVE

    This plan may be cheaper, but if this plan is used, it costs more when you visit the doctor.

    Enroll at HCC.

    Remember that coverage is needed until August 14, 2015.

    A Health Insurance Compliance Form is needed with this plan.

    A verification letter is needed with this plan. Click the Sample HCC Insurance Verification Form to see a sample.

    Send the verification letter and Health Insurance Compliance Form to intered@uwf.edu.

    ISO Student Insurance THIS IS A BASIC ALTERNATIVE

    This plan is less expensive for students under 24, but there are more upfront costs more when you visit the doctor.

    Enroll at https://www.isoa.org/iso_med_1.

    Med 1 is the only plan from ISO that meets State of Florida regulations.

    Remember that coverage is needed until August 14, 2015.

    A Health Insurance Compliance Form is needed with this plan.

    A verification letter is needed with this plan. Click Sample ISO Verification Letter to see a sample.

    Send your verification letter and Health Insurance Compliance Form to intered@uwf.edu.

Insurance for J-1 Exchange Students
  • Students on an J-1 visa are required to have health insurance which meets State of Florida regulations. Covergae is required for the entire academic year. If a policy other than Gallagher Koster, the carrier recognized by UWF, is purchased, the insurance company is required to complete a Health Insurance Compliance Form.

    If the insurance company does not provide documentation in English, a different policy is needed.

    If the insurance company does not complete the form with all “YES” boxes checked, a different policy is needed.

    If the insurance company does not fill in the coverage dates for the entire duration of the DS-2019, a different policy is needed.

    Click the Sample Health Insurance Compliance Form to see an example of a correctly completed Health Insurance Compliance Form. Note the dates of coverage and all “YES” answers.

    How to Pick an Insurance Policy

    Picking an insurance policy can be confusing. Better policies offer better coverage. Better coverage is more expensive. The following policies meet State of Florida regulations:

    Gallagher Koster THIS IS THE RECOMMENDED POLICY

    This plan offers the best coverage and is the school’s recommended plan.

    A Health Insurance Compliance Form is not needed for this plan.

    Enroll at http://www.gallagherkoster.com/FloridaUSystem.

    Select “University of West Florida.”

    Select “International Student Enroll.”

    After two or three business days, download the verification letter from your Gallagher Koster account and email it to intered@uwf.edu.

    Click the Sample Gallagher Koster Verification Letter to see a sample.

    Insurance for Students THIS IS A GOOD ALTERNATIVE

    This plan may be cheaper, but if this plan is used, it costs more when you visit the doctor.

    Enroll at Insurance for Students.

    Remember that coverage is needed for the entire duration of the DS-2019.

    The ICS Discount Plan is the only one that meets State of Florida regulations.

    A Health Insurance Compliance Form is needed with this plan.

    A verification letter is needed. Click the Sample Insurance for Students Insurance Verification Letter to see a sample.

    Send the verification letter and Health Insurance Compliance Form to intered@uwf.edu.

    HCC Student Select Insurance THIS IS A GOOD ALTERNATIVE

    This plan may be cheaper, but if this plan is used, it costs more when you visit the doctor.

    Enroll at HCC.

    Remember that coverage is needed for the entire duration of the DS-2019.

    A Health Insurance Compliance Form is needed with this plan.

    A verification letter is needed with this plan. Click the Sample HCC Insurance Verification Form to see a sample.

    Send the verification letter and Health Insurance Compliance Form to intered@uwf.edu.

    ISO Student Insurance THIS IS A BASIC ALTERNATIVE

    This plan is less expensive for students under 24, but there may be more upfront costs more when you visit the doctor.

    Enroll at https://www.isoa.org/iso_med_1.

    Med 1 is the only plan from ISO that meets State of Florida regulations.

    Remember that coverage is needed for the entire duration of the DS-2019.

    A Health Insurance Compliance Form is needed with this plan.

    A verification letter is needed with this plan. Click Sample ISO Verification Letter to see a sample.

    Send your verification letter and Health Insurance Compliance Form to intered@uwf.edu.

Insurance for Intensive English Program Students
  • Students attending the Intensive English Program are required to have health insurance which meets State of Florida regulations. Coverage is required for the entire academic year, unless you are attending the IEP for only one semester. If a policy other than Gallagher Koster, the carrier recognized by UWF, is purchased, the insurance company is required to complete a Health Insurance Compliance Form.

    If the insurance company does not provide documentation in English, a different policy is needed.

    If the insurance company does not complete the form with all “YES” boxes checked, a different policy is needed.

    If the insurance company does not fill in the coverage dates for the Summer 2014 semester from May 12 to August 8, a different policy is needed.

    Click the Sample Health Insurance Compliance Form to see an example of a correctly completed Health Insurance Compliance Form. Note the dates of coverage and all “YES” answers.

    How to Pick an Insurance Policy

    Picking an insurance policy can be confusing. Better policies offer better coverage. Better coverage is more expensive. The following policies meet State of Florida regulations:

    Gallagher Koster THIS IS THE RECOMMENDED POLICY

    This plan offers the best coverage and is the school’s recommended plan.

    A Health Insurance Compliance Form is not needed for this plan.

    Enroll at http://www.gallagherkoster.com/FloridaUSystem.

    Select “University of West Florida.”

    Select “International Student Enroll.”

    After two or three business days, download the verification letter from your Gallagher Koster account and email it to intered@uwf.edu.

    Click the Sample Gallagher Koster Verification Letter to see a sample.

    Insurance for Students THIS IS A GOOD ALTERNATIVE

    This plan may be cheaper, but if this plan is used, it costs more when you visit the doctor.

    Enroll at Insurance for Students.

    Remember that coverage is needed from May 12 to August 8.

    The ICS Discount Plan is the only one that meets State of Florida regulations.

    A Health Insurance Compliance Form is needed with this plan.

    A verification letter is needed. Click the Sample Insurance for Students Insurance Verification Letter to see a sample.

    Send the verification letter and Health Insurance Compliance Form to intered@uwf.edu.

    HCC Student Select Insurance THIS IS A GOOD ALTERNATIVE

    This plan may be cheaper, but if this plan is used, it costs more when you visit the doctor.

    Enroll at HCC.

    Remember that coverage is needed from May 12 to August 8.

    A Health Insurance Compliance Form is needed with this plan.

    A verification letter is needed with this plan. Click the Sample HCC Insurance Verification Form to see a sample.

    Send the verification letter and Health Insurance Compliance Form to intered@uwf.edu.

    ISO Student Insurance THIS IS A BASIC ALTERNATIVE

    This plan is less expensive for students under 24, but if the plan is used, there are more upfront costs when you visit the doctor.

    Enroll at https://www.isoa.org/iso_med_1.

    Med 1 is the only plan from ISO that meets State of Florida regulations.

    Remember that coverage is needed from May 12 to August 8.

    A Health Insurance Compliance Form is needed with this plan.

    A verification letter is needed with this plan. Click Sample ISO Verification Letter to see a sample.

    Send your verification letter and Health Insurance Compliance Form to intered@uwf.edu.

Insurance for F-2 and J-2 Dependents
  • Dependents, F-2 and J-2, are required to have health insurance coverage by State of Florida law. Dependents are required to have insurance coverage for the duration of their time in the United States. Failure to provide proof of coverage is a violation of legal non-immigrant status and is gorunds for termination.

    The Dependent and International Scholar Health Insurance Compliance Form is required as proof of insurance coverage. 

    Insurance for Students THIS IS THE RECOMMENDED DEPENDENT SCHOLAR PLAN

    Enroll at Insurance for Students.

    Remember that coverage is needed for the entire period of stay.

    The ISSI Basic Plan meets State of Florida regulations for dependents.

    A Health Insurance Compliance Form is needed with this plan.

    A verification letter is needed. Click the Sample Insurance for Students Insurance Verification Letter to see a sample.

    Send the verification letter and Dependent and International Scholar Health Insurance Compliance Form to intered@uwf.edu.

Insurance for International Scholars
  • International scholars are required to have health insurance coverage by State of Florida law. International scholars are required to have insurance coverage for the duration of their time in the United States. Failure to provide proof of coverage is a violation of legal non-immigrant status and is grounds for termination.

    The Dependent and International Scholar Health Insurance Compliance Form is required as proof of insurance coverage. 

    Insurance for Students THIS IS THE RECOMMENDED DEPENDENT AND SCHOLAR PLAN

    Enroll at Insurance for Students.

    Remember that coverage is needed for the entire period of stay.

    The ISSI Basic Plan meets State of Florida regulations for scholars.

    A Health Insurance Compliance Form is needed with this plan.

    A verification letter is needed. Click the Sample Insurance for Students Insurance Verification Letter to see a sample.

    Send the verification letter and Dependent and International Scholar Health Insurance Compliance Form to intered@uwf.edu.



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