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Health Insurance Options

"Hard waiver" does not mean a student must enroll in the UNC System Student Health Insurance Plan; it means a student must show evidence of a creditable coverage health insurance. Enrolling in the UNC System Student Health Insurance Plan is one means to meet that requirement. A student is encouraged to compare the UNC System Student Health Insurance Plan against other options such as those listed below. If a student has other creditable insurance, each semester they must submit an online waiver at or the student will be enrolled in the student insurance and pay the charge on their university account. 

Affordable Care Act (ACA) – Marketplace Government Insurance go to For Navigator* assistance with the ACA call 800-318-2596. You may also want to visit NC Legal Aid at  or call 855-733-3711 to make an appointment with a Navigator*.

*A Navigator can explain Marketplace policies and assist you with the Marketplace enrollment process.

Blue Cross / Blue Shield health insurance products: Visit or call 800-894-2880

Aetna, Assurant Health, Cigna, Celtic, Coventry, Humana, United HealthCare and other plans: 

Medicaid may be an option. You can contact your county Medicaid office for assistance. If you are able to enroll in Medicaid, please allow enough time for Medicaid to process your enrollment before the waive deadline. Below is contact information for nearby counties:

Temporary Health Insurance:

Travel Insurance: 


For other options, do an internet search for Student Health Insurance Plans. UNC System, UNC Chapel Hill and Campus Health Services do not endorse a specific plan. These websites are given as a resource only. Please verify the policy benefits before purchasing. You should also verify any exclusions, any waiting periods and if your preferred physician participates in the plan you select.


Last Update 08/28/2018