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.

Most U.S. student plans force you to buy in monthly blocks. Compass charges by the exact number of days you select. So if you arrive on August 22 and your university plan starts on September 1, you only pay for those 10 transitional days — useful for the gap between arrival and your school's coverage start.

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.