Studying in the USA is a dream for many international students, and one of the most important (but often ignored) requirements is valid health insurance.
Without proper coverage, a simple emergency can cost thousands of dollars out of pocket.
This guide will help you find affordable and reliable student health insurance plans that are accepted by US universities and also fulfill F1 or J1 visa requirements.
Why Health Insurance is Essential for Students in the USA
Healthcare in the United States is expensive. Even basic treatments can cost hundreds of dollars. International students need insurance for:
- Doctor visits and hospitalization
- Emergency medical care
- Prescription medicine
- Mental health support
- Repatriation and evacuation
- Meeting university and visa policy rules
If you’re planning to study with dependents, take a look at the Family Health Insurance Plans for F1 Visa Holders. It covers options for spouse and children under the same policy.
Top 5 Student Health Insurance Plans for 2025
IMG Student Health Advantage
Monthly premium: from $33
Visa compliant, includes mental health and medical evacuation.
ISO Compass Silver/Gold
Affordable and accepted at most universities.
Includes telehealth and strong PPO network.
Student Secure by HCCMIS
Covers sports injuries, maternity, and prescriptions.
Available in Budget, Select, and Elite options.
PGH Global
Trusted by many US universities.
24/7 claim assistance and dental/vision add-ons.
ISI Atlas Travel Plan
Flexible for short-term and language programs.
Repatriation and AD&D benefits included.
What to Check Before Choosing a Plan
- Deductible amount and co-insurance
- List of hospitals and doctors in the plan’s network
- Emergency support and claim process
- Online purchase availability
- Renewal flexibility
For students who plan to stay in the US after completing studies, the OPT Health Insurance Plan 2025 is another important guide to consider.