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USA Student Health

F-1 Student Health Insurance USA — Compare Plans

Health insurance for international students on F-1 visa. Compare ISO, PSI, IMG, Compass — most accepted as university waivers.

Compass Student Insurance

Compass Student Insurance

Waiver-ready, ACA-comparable plans on UnitedHealthcare PPO — three tiers for F-1, J-1, M-1 students with money-back guarantee if school rejects

From $34
  • Daily billing — pay only for days you need (not forced into monthly billing)
  • ACA-comparable Benchmark tier — accepted at universities requiring ACA-style coverage
  • Money-back guarantee if your school rejects the plan (and no claims yet)
  • UnitedHealthcare PPO network with direct billing across the U.S.
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IMG Patriot Exchange Program

International Medical Group (IMG)

J-1 visa compliant student health insurance with UnitedHealthcare PPO and customisable coverage from $50K to $5M

  • Highly customisable — choose your medical max ($50K to $5M) and deductible ($0 to $500)
  • $5 student health center copay — affordable on-campus care
  • Designed to meet U.S. Department of State J-1 visa requirements
  • UnitedHealthcare Options PPO network for direct billing across the U.S.
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Most Affordable

ISO Student Health Insurance

ISO Student Health Insurance

Three plan tiers (Silver, Gold, Platinum) accepted by 3,200+ U.S. universities — F-1 visa compliant from $31/month

From $31
  • Cheapest entry tier ($31/month for Silver) accepted by most U.S. schools
  • Three clear tiers — match plan to your school's waiver requirements
  • Aetna PPO network — direct billing at most major U.S. doctors and hospitals
  • Pre-existing conditions covered after 6 months on all tiers
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WorldTrips StudentSecure

WorldTrips (Tokio Marine HCC)

Four-tier student plan from Tokio Marine HCC — $0 deductible across all tiers, J-1 visa compliant from $32/month

From $32
  • $0 deductible across all four tiers — rare in the U.S. student market
  • Backed by Tokio Marine HCC, one of the largest specialty insurers globally
  • Smart tier starts at $32/month — among the cheapest J-1-compliant plans
  • Elite tier offers $5M maximum and full benefits including mental health, dental, prescriptions
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Related Comparisons

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ISO Student Health Insurance vs IMG Patriot Exchange ProgramPopular
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WorldTrips StudentSecure vs Compass Student Insurance
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FAQ

Frequently Asked Questions

Most US universities require F-1 students to have health insurance that meets specific minimum requirements. Some schools enroll students automatically in their plan, but international student plans (ISO, PSI, IMG, Compass) often qualify for waivers and cost less.
F-1 student health insurance ranges from $30 to $200 per month depending on the plan and deductible. University plans usually cost $1,500–$3,500 per year; private plans often $400–$1,500/year.
Many US universities allow F-1 students to waive school insurance if they have a comparable plan. Each school has its own waiver criteria — check your university website for required minimums (medical max, deductible, repatriation, etc.).
Coverage of pre-existing conditions varies. Some F-1 plans exclude them, others cover after a waiting period (commonly 6–12 months). Check the policy carefully if this applies to you.
PPO plans let you visit any doctor; HMO plans require choosing in-network providers. Most international student plans use a PPO network for flexibility.

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