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 $31–85
✓ Visa Compliant
up to 64 Age Limit
Last updated: April 27, 2026
Choose Your Plan
Available Plans
Compare coverage tiers and pick the plan that fits your needs.
ISO Silver
From $31 /month
- Deductible: $45 per event at Student Health Center; $100 elsewhere
Most Popular
ISO Platinum
From $85 /month
- Deductible: $250 in-network; $400 out-of-network
Coverage Comparison
Compare Plan Coverage
See exactly what each plan covers side by side.
| Feature | ISO Silver | ISO Gold | Most Popular ISO Platinum |
|---|---|---|---|
| Core Coverage | |||
| Outpatient Treatment | Not covered | Not covered | Not covered |
| Hospital (Inpatient) | Not covered | Not covered | Not covered |
| Medication | Not covered | Not covered | Not covered |
| Deductible / Co-pay | $45 per event at Student Health Center; $100 elsewhere | $500 in-network; $750 out-of-network | $250 in-network; $400 out-of-network |
| Dental & Vision | |||
| Dental Care | Not covered | Not covered | Not covered |
| Dental Budget | Not covered | Not covered | Not covered |
| Vision | Not covered | Not covered | Not covered |
| Additional Benefits | |||
| Mental Health | Not covered | Not covered | Not covered |
| Pregnancy & Maternity | Not covered | Not covered | Not covered |
| Telemedicine | | | |
| Repatriation | Up to $50,000 | Up to $60,000 | Unlimited |
| Visa Compliant | | | |
| Apply ISO Silver → | Apply ISO Gold → | Apply ISO Platinum → | |
ISO Silver
ISO Gold
ISO Platinum Most Popular
Core Coverage
Outpatient Treatment
Not covered
Not covered
Not covered
Hospital (Inpatient)
Not covered
Not covered
Not covered
Medication
Not covered
Not covered
Not covered
Deductible / Co-pay
$45 per event at Student Health Center; $100 elsewhere
$500 in-network; $750 out-of-network
$250 in-network; $400 out-of-network
Dental & Vision
Dental Care
Not covered
Not covered
Not covered
Dental Budget
Not covered
Not covered
Not covered
Vision
Not covered
Not covered
Not covered
Additional Benefits
Mental Health
Not covered
Not covered
Not covered
Pregnancy & Maternity
Not covered
Not covered
Not covered
Telemedicine
Repatriation
Up to $50,000
Up to $60,000
Unlimited
Visa Compliant
What's Covered
Benefits and coverage details.
Included
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
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
Pricing
Pricing by Age
Monthly net premium by age group. No hidden fees.
Age Group Monthly Premium
Fulfills insurance obligation
FAQ
Frequently Asked Questions about ISO Student Health Insurance
ISO plans are accepted by over 3,200 U.S. universities for the insurance waiver. Always check your specific school's waiver criteria — Platinum and Gold meet most requirements (unlimited annual max), while Silver may not satisfy schools requiring no per-condition cap.
Silver ($31/month) is the cheapest with a $400,000 annual cap and $150,000 per condition. Gold ($49) has unlimited annual maximum and $300,000 per condition. Platinum ($85) is the most comprehensive with unlimited annual max, $500,000 per condition, lower deductible ($250), and unlimited evacuation/repatriation.
Yes, all ISO plans use the Aetna Passport PPO network. This means you can visit Aetna network doctors and hospitals across the U.S. with direct billing — no upfront payment required for covered services.
All three ISO plans cover pre-existing conditions after 6 months of continuous coverage. This is more generous than many competitors that require 12 months — useful if you have ongoing health needs.
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