F-1 students health insurance is mandatory and provided by the university. Students will be covered automatically during their semester of enrollment and charged accordingly. J-1 Exchange, Government Sponsored and students employed and covered by a US insurance policy have the option to waive the university provided insurance if eligible. A copy of the insurance policy coverages must be provided to the Office of International Students & Scholars for review. The University-provided insurance policy through Aetna Student Health, managed by Academic HealthPlans, is designed as an accident and sickness policy that is affordable to students. There are certain limitations and restrictions of this policy which you can review by reading the benefits summary.
If you do not want the Student Health Insurance Plan and meet the above criteria, you must decline or opt-out of coverage by submitting a waiver. You may only opt-out of coverage during the following Waiver Periods:
All waivers must be submitted by 11:59 PM on the published waiver deadline to be considered.
| Waiver Period | |
| Fall | 07/01/2026 - 09/09/2026 |
| Spring/Summer | 11/04/2026 - 02/08/2027 |
To qualify for a waiver, your health insurance plan must meet the requirements as listed below.
The following are not accepted:
If your private health insurance plan meets the criteria you are eligible to apply for a waiver of the UNR Student Health Insurance Plan. Have the following information ready before you begin your waiver application.