ISO Student Health Insurance
ISO Student Health Insurance
Three plan tiers (Silver, Gold, Platinum) for international students on the Aetna PPO network — from $33/month (Silver, ages 12–24); ISO states its plans are accepted at over 3,200 U.S. schools
At a glance ISO Student Health Insurance
Monthly premiumFrom $33–87/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.
ISO Silver
From$33/mo
- Deductible: $45 per event at Student Health Center; $100 elsewhere
ISO Gold
From$56/mo
- Deductible: $500 in-network; $1,000 out-of-network (per policy year)
Most Popular
ISO Platinum
From$87/mo
- Deductible: $300 in-network; $750 out-of-network (per policy year)
02Coverage Comparison
Compare Plan Coverage
See exactly what each plan covers side by side.
| Feature | ISO Silver | ISO Gold | Most PopularISO Platinum |
|---|---|---|---|
| Core Coverage | |||
| Deductible / Co-pay | $45 per event at Student Health Center; $100 elsewhere | $500 in-network; $1,000 out-of-network (per policy year) | $300 in-network; $750 out-of-network (per policy year) |
| Additional Benefits | |||
| Repatriation | Up to $50,000 | Up to $60,000 | Unlimited |
| Visa Compliant | |||
| Visit ISO Silver→ | Visit ISO Gold→ | Visit ISO Platinum→ | |
ISO Silver
ISO Gold
ISO PlatinumMost Popular
Core Coverage
Deductible / Co-pay
$45 per event at Student Health Center; $100 elsewhere
$500 in-network; $1,000 out-of-network (per policy year)
$300 in-network; $750 out-of-network (per policy year)
Additional Benefits
Repatriation
Up to $50,000
Up to $60,000
Unlimited
Visa Compliant
03Coverage
What's Covered
Benefits and coverage details.
Included
Low entry price — Silver from $33/month for ages 12–24 (ISO's lowest-priced tier)
Three clear tiers — match plan to your school's waiver requirements
Uses the Aetna PPO network — you can also choose to be treated outside the network
Silver covers pre-existing conditions after 6 months of continuous coverage (Gold and Platinum exclude them)
Specialised broker focused only on international students — strong waiver support
Not Covered
Silver tier has a fixed $400,000 cap — may not meet some universities' minimum
Most ISO plans are not fully ACA-compliant (only hybrid plans for some states)
Higher emergency room copay on Silver ($350) vs Gold/Platinum
No dental or optical extras included on any tier
04Pricing
Pricing by Age
Monthly net premium by age group. No hidden fees.
Age GroupMonthly Premium
Fulfills insurance obligation
05FAQ
Frequently Asked Questions about ISO Student Health Insurance
ISO states that its plans are accepted at over 3,200 U.S. schools, and its brochures allow a premium refund if your school denies your waiver request within 31 days of the plan start date (written proof required). Always check your specific school's waiver criteria — Platinum and Gold have an unlimited annual maximum, while Silver's $400,000 annual cap may not satisfy schools that require an unlimited annual maximum.
For ages 12–24, Silver costs $33/month and is the cheapest, with a $400,000 annual cap and $150,000 per injury or sickness. Gold ($56/month) has an unlimited annual maximum and $300,000 per injury or sickness. Platinum ($87/month) is the most comprehensive, with an unlimited annual maximum, $500,000 per injury or sickness, a lower in-network deductible than Gold ($300 vs $500 per policy year) and unlimited evacuation/repatriation. Rates are higher from age 25 (for example Silver $59/month at 25–29 and $108/month at 30–64).
Yes. ISO plans use the Aetna PPO network: you can see Aetna network doctors and hospitals across the U.S., and you may also choose to be treated outside the network. In-network and out-of-network deductibles differ, so check your plan brochure.
Only ISO Silver covers pre-existing conditions, after 6 months of continuous coverage under the plan. The Gold and Platinum brochures list pre-existing conditions as a general exclusion. If you have ongoing health needs, compare the brochures carefully before choosing a tier.
Ready to Get Insured?
Check the latest terms and prices for ISO Student Health Insurance on the provider's official website.