F-1 Student Health Insurance USA — Compare Plans

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.