Plans for F, J or M Visa University Students

The plans below are examples commonly used by international students.
Your actual options depend on your school, visa, and location.
Use our Plan Finder to discover the best available insurance plans tailored to your needs – in just 3 quick steps.

Savings

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

From

$77 /month

Rate is calculated on a daily basis!

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This plan may not be available for your school.

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• Copay emergency room: $350
• Copay Office Visit & Urgent Care: $30
• Coinsurance in-network: 80%
• 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)

Care Plus

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

From

$63 /month

Rate is calculated on a daily basis!

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• Copay emergency room: $350
• Copay Office Visit & Urgent Care: $30
• Coinsurance in-network: 80%
• 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)

Benchmark 250

• Annual maximum: Unlimited
• Max per Injury/Sickness: $250,000
• Deductible: $300

From

$52 /month

Example rate for students under 30

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• Emergency room: $350
• Coinsurance: 80%
• Network: First Health

Download full policy (PDF)

Find your plan

Tailored just for you

• Enter your school, state, visa & travel dates
• Instantly see the plans available to you
• No registration needed

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F-1, J-1 & M-1 Student Health Insurance –
Simple, safe & school-approved

Getting ready to study in the U.S.? There’s a lot to figure out – from class schedules and roommates to health insurance requirements.
If you're coming on an F-1, J-1, or M-1 visa, most schools will ask for proof of valid health insurance.
You might even be automatically enrolled in their plan — unless you submit your own.
We’re here to help you to understand what kind of coverage you need,
and how to meet your school’s waiver requirements.

Common Questions, Easy Answers

Quick Facts for F-1, J-1 & M-1 Students Your health plan is part of staying enrolled and protected – here’s what you should know.

Do I really need health insurance in the U.S.?

Yes – almost every college or university will ask you to show proof of insurance. Without it, you might not be able to register for classes or stay in your program.

What if my school already offers a plan?

Some schools automatically sign you up for their insurance. But others let you choose your own – as long as your plan meets their rules. That’s where waiver forms come in. Read more

What does my plan need to cover?

Every school is different, but most want you to have:
✔ at least $100,000 per accident or illness
✔ a U.S.-based PPO network
✔ coverage for doctor visits, mental health, emergencies, prescriptions
✔ low deductible (usually under $500)
We design our plans to match those typical requirements. Read more

Do I need insurance before I arrive in the U.S.?

Yes – your school or visa sponsor may want to see your insurance info before your program starts. It should be active by the date on your I-20 or DS-2019.

Do I need an ACA-compliant plan?

Some schools ask for ACA-compliant insurance. We offer plans that meet those standards – and we’re happy to help you check what your school requires.
More on ACA requirements

Are there special insurance rules for the J-1 visa?

Yes – J-1 students must meet specific government rules.
More on J-1 visa requirements

Frequently Asked Questions

How do I waive the university insurance plan? +

Most schools provide a waiver form that you can complete online or as a PDF. You’ll need to show that your insurance meets the university’s requirements. Once submitted, the school will review and confirm whether your plan is accepted.

What are the health insurance requirements for my visa? +

If you're on an F-1 or M-1 visa, insurance is usually required by your school – not by the government. If you're on a J-1 visa, you must meet official U.S. Department of State (DOS) insurance standards. See J visa-specific requirements here

What does the waiver form require? +

Waiver forms usually ask for specific coverage amounts (e.g. $100,000 per illness/injury), access to a U.S. PPO network, mental health benefits, prescription coverage, and a low deductible. We design our plans to meet these typical requirements.
More details here

What if my waiver isn’t accepted? +

If your waiver is denied, the school may automatically enroll you in their insurance plan and bill your student account. You can still contact your school to ask for clarification or appeal if needed. And no worries — we offer a refund if your plan isn’t approved by your school, as long as no claims have been made.

What does ACA-compliant mean – and do I need it? +

ACA stands for the Affordable Care Act. Some universities require insurance that meets these standards, including preventive care, maternity, and mental health coverage. We offer student plans that are ACA-compliant.
More on ACA requirements here

Can I include my dependents in my insurance? +

Yes! If your spouse or children are coming with you on an F-2, J-2, or M-2 visa, they can be added to your plan during the enrollment process.