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
At a glance Compass Student Insurance
Monthly premiumFrom $43–123/mo
Age Limitup to 64
Visa Compliant Yes
Last updatedOctober 1, 2026
01Choose Your Plan
Available Plans
Compare coverage tiers and pick the plan that fits your needs.
ACA-Comparable
Compass Benchmark
From$123/mo
- Deductible: $250 or $500 (your choice)
02Coverage Comparison
Compare Plan Coverage
See exactly what each plan covers side by side.
| Feature | Compass Savings | Compass Care | ACA-ComparableCompass Benchmark |
|---|---|---|---|
| Core Coverage | |||
| Deductible / Co-pay | $250 per injury/illness | $250 per period | $250 or $500 (your choice) |
| Additional Benefits | |||
| Visa Compliant | |||
| Visit Compass Savings→ | Visit Compass Care→ | Visit Compass Benchmark→ | |
Compass Savings
Compass Care
Compass BenchmarkACA-Comparable
Core Coverage
Deductible / Co-pay
$250 per injury/illness
$250 per period
$250 or $500 (your choice)
Additional Benefits
Visa Compliant
03Coverage
What's Covered
Benefits and coverage details.
Included
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 (Compass: 'one of the largest networks in the U.S.')
25+ years of experience (Compass: 'Trusted for 25+ Years') with plans for international students, scholars and OPT/H-1B professionals
Not Covered
Regional pricing — actual rates vary by U.S. state, may be higher than starting price
Savings tier ($500K max) often won't meet strict university waiver criteria
Starting rates vary by region, and a plan may not be available for your school
Add-ons (virtual care, pharmacy) cost extra on top of base premium
04Pricing
Pricing by Age
Monthly net premium by age group. No hidden fees.
Age GroupMonthly Premium
Fulfills insurance obligation
05FAQ
Frequently Asked Questions about Compass Student Insurance
ACA-compliant plans meet all Affordable Care Act mandates (preventive care, maternity, mental health, no annual limits). Most international student plans are not fully ACA-compliant because international students are exempt from the individual mandate. Compass's Benchmark tier is 'ACA-comparable' — it covers the major ACA benefits and is accepted by universities that require ACA-style coverage.
If you submit your Compass plan to your university for waiver and it is rejected, Compass refunds your premium — provided you have not yet filed any insurance claims. This is helpful if you're unsure whether your school will accept the plan. Always run the waiver check first.
Compass calculates the premium for the exact number of days in the coverage period you select, instead of charging whole months ('no forced monthly bookings'). The 'from $…/month' figures are starting rates for comparison: Compass does not offer monthly payments, but for most plans you can pay in 3-month increments. If you only need a short bridge — for example between arrival and the start of your school's plan — check the minimum coverage period in the Compass Plan Finder.
Yes, Compass offers dedicated OPT plans for F-1 students entering Optional Practical Training. Coverage during OPT is critical because traditional student plans typically end at graduation. Compass also covers the gap between graduation and the start of employer-sponsored insurance.
Ready to Get Insured?
Check the latest terms and prices for Compass Student Insurance on the provider's official website.