Insurance Plans for OPT Status

Also suitable for H1B visa holders.

Upon graduation, many international students remain in the USA and transition to Optional Practical Training (OPT) status.
Our two insurance options for students on OPT include affordable and comprehensive coverage for the temporary transition between student and employee.
Furthermore, both plans can be upgraded with virtual healthcare services!

Find out your exact monthly premium based on your age (age range: 18-50 years):

OPT Enhanced

Annual maximum: Unlimited
Max per Injury/Sickness: $500,000
Deductible: $250

From

$77 /month

Rate is calculated on a daily basis!

Enroll with this plan

Copay emergency room: $350
Copay Office Visit & Urgent Care: $30
Coinsurance in-network: 80%
Out-of-Pocket maximum: Unlimited
Pre-existing conditions: Covered after 12 months
Mental Health Benefits: Limited Coverage
Motor Vehicle Accident: Paid as any other injury
Medical evacuation: $100,000
Repatriation of remains: $50,000
Provider network: United HealthCare
A.M. Best Rating: A Excellent

Download full policy (PDF)

OPT Savings

Annual maximum: Unlimited
Max per Injury/Sickness: $150,000
Deductible: $400

From

$52 /month

Rate is calculated on a daily basis!

Enroll with this plan

Copay emergency room: $350
Copay Office Visit & Urgent Care: $30
Coinsurance in-network: 80%
Out-of-Pocket maximum: Unlimited
Pre-existing conditions: Covered after 12 months
Mental Health Benefits: Limited Coverage
Motor Vehicle Accident: Paid as any other injury
Medical evacuation: $50,000
Repatriation of remains: $25,000
Provider network: United HealthCare
A.M. Best Rating: A Excellent

Download full policy (PDF)

Need a doctor or therapist – without extra cost?

Add Virtual Healthcare Services to your plan and skip the deductible! Talk to a doctor or mental health provider anytime – with no out-of-pocket costs, no exclusions, and no claims to file.

More about it

Health Insurance that moves with you
– From Campus to Career

Starting your professional journey in the U.S. comes with big dreams – and new responsibilities.
One of the most important? Finding the right health insurance.
If you're on OPT or an H-1B visa, you’re no longer covered by a school-sponsored plan.
You need insurance that not only protects your health but also fits your visa status and possibly your future employer’s requirements.

Good to know…

Here are a few key points about health insurance during OPT & H-1B.
Understanding these can help you stay protected while working in the U.S.

What happens to my student insurance after graduation?

Most student plans end when your academic program does. That means you’ll likely need a new plan for OPT or H-1B.

Why can’t I just keep my school plan?

Once you're no longer a full-time student, you may not be eligible to stay on your school’s plan – even if your visa is still valid.

What kind of insurance do I need for OPT or H-1B?

You’ll need a private plan that fits your visa status. Our plans are made for students on OPT, STEM OPT, and H-1B.
Need help getting started?
Check the OPT process here

Is the coverage flexible?

Very. You can enroll for just 3 months or for longer. That way, you’re covered during transitions – and not locked in if you get employer insurance later.

When should coverage start?

Right after your school coverage ends. You can choose your own start date and get instant proof of coverage – perfect for your EAD application or when you need to show proof of insurance for your visa.

Do I need an ACA-compliant plan?

If you’re an international student on OPT, STEM OPT, or just starting on an H-1B visa, you may not need ACA-level coverage. In many cases, a non-ACA plan is fully acceptable — and more affordable, too.

OPT process explained

Frequently Asked Questions

What does Optional Practical Training (OPT) mean? +

F1- Visa on OPT Status Explained: Under certain conditions, foreign students with an F-1 visa can complete a twelve-month internship ("Optional Practical Training", OPT) during or after completing their studies in the USA.

What is a H-1B visa? +

The H-1B is a non-immigrant visa that allows U.S. companies to employ foreign workers in specialty occupations requiring theoretical or technical expertise.

When can I apply for OPT? +

You can apply for OPT from 90 days before your end date, until 60 days after your end date. USCIS (United States Citizenship and Immigration Services) must receipt (not receive) your application no later than 60 days after your I-20 end date. Allow at least 10-14 days for USCIS to assign a receipt number.
Check the OPT process here

Can I buy coverage while waiting for OPT approval? +

Yes, you can enroll in a plan even if your OPT is still pending. Coverage can start on your selected date.

Do I need an ACA-compliant plan? +

ACA stands for the Affordable Care Act, a U.S. law that sets standards for health insurance. Some universities and a few U.S. states require students to have an ACA-compliant plan.But if you’re an international student on OPT, STEM OPT, or just starting on an H-1B visa, you may not need ACA-level coverage. In many cases, a non-ACA plan is fully acceptable — and more affordable, too.
We offer non-ACA plans designed specifically for international graduates. They include strong benefits, and are easy to enroll in online.

Can I insure my dependents too? +

No, our OPT plans are not available for dependents.

View all FAQs