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Waiver Information

In order to opt-out of the NSU Student Health Insurance Plan, your insurance must offer equivalent or better coverage benefits. Your plan must meet the criteria listed below established in accordance with the Affordable Care Act (ACA).

1. The claims administrator of your insurance plan must be based in the United States with a U.S. telephone number and address for submission of claims.
2. The policy is not a traveling policy.

3. The plan provides both emergency and nonemergency health care and mental health benefits within a 30-mile radius of your local NSU campus or near your home residence (within the United States).

4. The plan provides inpatient and outpatient mental health care and chemical dependency benefits comparable to the coverage provided by the NSU Student Insurance Plan.

5. The plan provides coverage for prescription medication.

6. The lifetime benefit is unlimited.


Out-of-state Medicaid, state children's health insurance plans, HMOs, and Kaiser Permanente plans may not cover non-emergency care in this area. If this is the case, you will not qualify for a waiver. Please contact your medical insurance carrier to confirm that your insurance covers non-emergency care and that you have a deductible small enough to allow you to afford your portion of the bill.


The waiver application becomes available once registration opens. In order to access the waiver, you must be registered for the academic year for which you are seeking to waiver coverage. Please note the waiver can only be completed online.
Waivers must be completed by your program's deadline . If you miss the deadline you will remain enrolled in the Student Health Insurance Plan for the full semester/term, and you will be responsible for payment. You will have another opportunity to opt out for the next semester/term by the next waiver deadline.   


If your existing health insurance does not meet all six waiver criteria your waiver will be denied. If you believe that your insurance coverage does meet the waiver criteria, you must promptly submit a request to appeal.

In order for your appeal to be considered, you must email your request and fulfill all further instructions within 72 hours of your waiver denial.

Your request for appeal must be emailed to Please include the following information:

  • Student Name
  • Date Of Birth
  • NSU ID Number (N number)
  • NSU Student Email Address
  • A Copy Of The Front and Back Of Your Insurance Card

Please note, you must request an appeal before your program’s waiver deadline. If your program’s waiver deadline has passed, your waiver will remain denied. 

If you wish to enroll in the NSU Student Health Insurance Plan after a waiver has been approved, you may do so within 30 days of experiencing a qualifying life event (i.e., involuntary loss of coverage) within your academic year.

Your request to enroll must be emailed to Please include the following information: 

  • A copy of your Letter of Termination (Student’s must contact their pervious insurance provider to obtain a copy of this letter).
  • Student Name:
  • Date of Birth:
  • NSU ID number (N number):
  • NSU Student Email Address:
  • Contact Number:
  • Home Address:
Please note an Aetna representative will contact you via email to further complete enrollment process. After you enroll, you will have insurance coverage for the remainder for your program's academic year.

If you are experiencing technical difficulties with the electronic waiver application, try the following steps:

  • Ensure that you are able to log into your SharkLink account. If you need to retrieve your SharkLink identity, visit My NSU Identity.
  • Use a laptop or desktop.
  • Do not use Safari. Try a different browser, such as Firefox.
  • Clear the history, cookies, cache, and data off the internet browser.
  • Wait 24-48 hours to repeat these steps.
  • If you are receiving the message “You must be registered for courses in the academic year for which you are seeking to waive the NSU Student Health Insurance,” login into SharkLink to see if you have been charged for the NSU Student Health Insurance. If you do not see a charge, you do not need to complete an electronic waiver.
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