University of Alabama International Student Health Insurance Waiver Guide 2026-2027

University of Alabama

If you are an F-1 or J-1 student heading to the University of Alabama this fall, you have already been auto-enrolled in the University of Alabama Student Health Insurance Plan (SHIP) at a cost of $2,842 dollars for the year. That is a lot of money. The good news is you do not have to pay it. You can waive the school plan and choose a VISIT® Insurance alternative that meets all of University of Alabama's requirements and save as much as $1,817 dollars. Your waiver deadline is September 10, 2026. Here is what you need to know.

How Much Can You Save at University of Alabama?

The University of Alabama SHIP plan charges every undergraduate student the same rate: $2,842 per year, regardless of your age or health needs. That is how school plans work — one price for everybody.

We do things differently. VISIT® plans use age-based pricing, which means younger students pay less. If you are between 17 and 24, your annual cost with VISIT® starts at $1,025 — a savings of as much as $1,817 compared to the University of Alabama plan.

A lot of students just figure, well, the university plan is there, so we will just take it. But that is not necessarily cost effective. If you take five minutes to look at your options, you could put over three thousand dollars back in your pocket — with the same level of coverage.

Compare plans for University of Alabama and see your savings →

University of Alabama Waiver Requirements

Before you choose a plan, you need to know what University of Alabama requires for your waiver to be approved. The school will check that your alternative plan meets these specific standards:

What University of Alabama Requires:

https://ua.myahpcare.com/waiver 

• Medical coverage must be active

• Contains no exclusions for pre-existing conditions;

• Alternate plan must provide unlimited benefits

• Imposes a deductible that does not exceed $500 in-network or $1,000 out-of-network per accident or illness;

• In-network access to care near the University; and

• Imposes no provisions for co-insurance that exceed 20% of the covered benefits per accident or illness.

All VISIT® plans listed for University of Alabama are designed to meet these requirements.

How to Submit Your Waiver — Step by Step

Step 1: Visit   www.visitinsurance.com/alabama and choose your plan. Enrollment takes about 3 minutes.

Step 2: As soon as you enroll, you will receive your digital insurance ID card and your Certification Form instantly.

Step 3: Log into the school's waiver portal  https://ua.myahpcare.com/waiverand upload your documents.

Step 4: Wait for the school to review and approve your waiver.

That is it. Four steps, and the hardest part — finding a plan that actually meets University of Alabama's requirements — is already done for you.

If you have questions about your waiver at any point, email us at info@visitinsurance.com. We help students with this every single day. We have been doing this for almost 50 years.

Plan Comparison: University of Alabama SHIP vs. VISIT® Plans

Here is how the University of Alabama school plan compares to three of our most popular options for University of Alabama students. All three meet University of Alabama's waiver requirements.

		SAVE up to $1,817	SAVE up to $1,423	SAVE up to $846
COVERAGE	University of Alabama SHIP	ROYAL 500	ROYAL 100	ROYAL PLUS
Price	FALL 2026	FALL 2026	FALL 2026	FALL 2026
Age 17-24	$2,842	$1,025.65	$1,419	17-24 $1,996
Age 25-27	$2,842	$1,496.50	$1,923	25-29 $2,861
Age 28-29	$2,842	$2,507.56	$3,376	30-35 $7,270
Medical Maximum	Unlimited	Unlimited	Unlimited	Unlimited
Deductible	$250	$500	$100	$0
Coinsurance	80%	80%	80%	100%
Student Health Copay	$0	$0	$0	$0
Urgent Care Copay	80% coinsurance, after $50 /visit	$50	$50	$50
ER Deductible	80% coinsurance, after $250 copay/visit	20% of Allowable Charges $300 Copayment (waived if admitted)	20% of Allowable Charges $250 Copayment (waived if	100% of Allowable Charges $300 Copayment (waived if admitted)
Prescription copay	Source+Rx copay varies	$10/$20/$40	$10/$20/$40	$10/$20/$40
Maximum Out-of-Pocket	$8,700	$8,000	$6,000	$6,000
Pre-existing conditions	No waiting period	No waiting period	No waiting period	No waiting period
Mental Health	80% coinsurance	80%Outpatient: $30 copay	80% Outpatient: $30 copay	100% Outpatient: $25 copay
Preventive Care	100% In-Network	100% In-Network	100% In-Network	100% In-Network
Maternity	80% coinsurance	Deductible + 80% Coinsurance	Deductible + 80% Coinsurance	Deductible + 100% Coinsurance
Repatriation		$25,000	$25,000	$25,000
Medical Evacuation		$100,000	$100,000	$100,000
PPO Network	Blue Cross Blue Shield PPO	UHC	UHC	UHC
Review Coverage		ROYAL 500	ROYAL 100	ROYAL Plus
ENROLL		Enroll-ROYAL 500	Enroll-ROYAL 100	Enroll-ROYAL PLUS

Enroll in a VISIT® plan for University of Alabama now → — lock in your rate before SEPTEMBER 10, 2026

Be sure your coverage dates are August 1, 2026 – July 31, 2027

Why Students Choose VISIT® Insurance

We are not the school plan — and here is why that matters:

•        Almost 50 years of experience (since 1979)

•        Super broker with multiple plans from multiple carriers

•        Age-based pricing (younger students pay less)

•        Money-back guarantee (full refund if waiver is denied within 14 days)

•        3-minute enrollment with instant documents

We are not just trying to sell you whatever the most expensive plan is or whatever the cheapest plan is. We are trying to take the time to match the need and the budget at the same time. That is what makes us different.

Do Not Miss the SEPTEMBER 10 Deadline

The waiver portal is open now. You can enroll in a VISIT® plan and submit your waiver documents today. It takes less than 10 minutes total — 3 minutes to enroll, and a few minutes to upload your documents to the school portal.

Do not wait until September 9. Do it now while you are thinking about it.

Enroll now at www.visitinsurance.com/alabama  → Get your waiver documents instantly.

Questions? We Are Here.

Email: info@visitinsurance.com Phone: 703-660-9062

We want you to feel relieved that you have the right insurance — not wondering if maybe you got the wrong thing. That is why we take the time to match every student with the right plan. Not just the cheapest one. The right one.

Money-Back Guarantee

If the school denies your waiver, you may request a full refund within 14 days of the denial date, provided the plan has not been used. Email your denial notice to info@visitinsurance.com and we will process your refund. No risk, no hassle.

VISIT® Insurance has been helping international students find the right health insurance since 1979. We are a licensed insurance broker based in Mount Vernon, Virginia, and we serve students at over 700 universities across the United States.

Disclaimer: Benefits and premiums are subject to change. Please review policy documents for complete coverage details and the school's current waiver requirements.