International Student Health Insurance

Healthcare in the United States is extremely expensive, and medical insurance is necessary to help protect international students against unforeseen events that could result in long-term financial hardship.

Florida Board of Governors regulation 6.009 mandates that international students in F-1 visa status submit proof of health insurance prior to registration. Students will receive a health insurance hold on their HCC student account and will not be allowed to register for classes or continue enrollment without complying with the insurance requirement. Proof must be submitted to the Center for International Education before registration and no later than by your scheduled I-20 program start date. Please note that there are no exceptions to this rule!

You can meet the health insurance requirement in one of two ways:

By enrolling in the HCC-IFS health insurance plan.
By submitting proof of alternate health insurance that is compliant with all of the Florida Board of Governors requirements.

You are required to have continuous coverage during the entire duration of your studies at HCC, including any period of authorized vacation (Summer term), even if you return to your country during the break.

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HCC-IFS Health Insurance Plan

HCC has partnered with Insurance for Students (IFS) to provide international student health insurance through UnitedHealthcare Student Resources. The plan is ACA-compliant and the Preferred Provider for this plan is UnitedHealthcare Choice Plus. The resources below provide more detailed information about the plan and benefit levels.

Enrollment Form
Frequently Asked Questions
Program Tools (Use this page to locate a doctor, or an urgent care facility or submit a claim)

New Students Annual	$2,065.00
New Students Fall	$822.00
Continuing Students Annual	$2,016.00
Continuing Students Fall	$773.00
Spring/ Summer	$1,243.00
Summer only	$580.00

Students beginning enrollment for the Fall 2024 semester must have minimum coverage starting July 31, 2024 extending to August 13, 2025. Coverage can be purchased for the Fall term only, extending to December 31, 2024. Students enrolling in the Spring 2025 semester as their first term must have minimum coverage starting January 1, 2025, extending to August 13, 2025. A registration hold will be placed on the student account that will not be lifted until the student provides proof of coverage for the following term. All F-1 students must have continuous coverage while studying at HCC, regardless whether they attend the Summer term or not.

Dental and Vision Insurance: Medical insurance does not include dental services. Students may purchase supplemental dental and vision insurance at an affordable monthly rate through IFS.

F-2 Dependents: While proof of insurance is not mandatory for dependents of F-1 students, it is recommended that they also be insured. F-2 students enrolling in classes at HCC must submit proof of health insurance prior to enrolling.

Alternative Insurance Plans

All F-1 international students attending HCC must purchase the health insurance plan offered through IFS unless they are insured by a US-based health insurance plan that is fully compliant with the Affordable Care Act (ACA) benefit regulations and FLBOG minimum requirements.

Students insured by another US-based, ACA compliant plan must complete the online waiver submission process under Program Tools/Alternate Insurance Waiver and have their waiver approved as equal or better than the HCC-IFS plan before they can register.

Plans that do not meet all of the school's minimum insurance requirements will not be accepted. International insurance plans, student travel insurance plans and other short-term plans generally do NOT meet the requirements and are not accepted. Please review the requirements prior to purchasing any alternative plan.

How do I submit a waiver request?

To submit a waiver request, please complete the online waiver submission process.

Policies must have U.S. phone numbers and claim offices and claims must be paid in U.S. Dollars. For a summary of required benefit levels, visit the HCC student Insurance Landing Page.
If your plan does not provide medical evaluation and repatriation benefits but otherwise meets the College’s mandatory benefit levels, you can enroll for "Repatriation and Evacuation Only".
International insurance plans, student travel insurance policies and those limited in scope within the U.S. are generally not accepted as a health plan.

Your health insurance waiver must be approved by the I-20 program start date and before you can be cleared to register!

HCC reserves the right to not accept health insurance plans that do not provide equal and/or continuous coverage. If your alternative plan does not comply with the requirements, you will not be cleared to register for classes until you provide documentation of insurance coverage which meets the HCC mandate. You may be required to purchase the HCC health insurance plan through IFS.

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