Best student medical insurance FAQ’s

• Student's age: The student's age determines the cost of US student medical insurance. Students under age 20 can expect health insurance costs ranging from $30 to $124 per month. The prices for best health insurance for f1 students in USA increases with the age of the student.
• Length of health insurance for F1 students: The cheapest student health insurance in the US can be either monthly or on a daily basis. Annual plans tend to be more expensive than short-term policies, but they offer more comprehensive benefits. The price increases with the duration of coverage required.
• Maximum F1 student insurance coverage: Comprehensive plans that offers higher policy maximums and extensive coverage including benefits like mental health, dental, maternity, and pre-existing conditions generally comes with higher premiums. The cost of F1 student health insurance is less for lower medical maximum and increases with higher medical maximum coverage.
• Deductibles and Co-insurance: Plans with lower deductibles (the amount the student pays out-of-pocket before insurance coverage begins) and lower coinsurance, (the percentage the student pays for most medical costs after the deductible), will also have higher premiums.
• Type of student health insurance: University-sponsored health insurance plans are often mandatory and offers comprehensive coverage, but usually are more expensive and allow for less flexibility. The private health insurance for international students available on American Visitor Insurance offer university requirements comparable coverage and are often more affordable than the university-sponsored plans making them flexible and cost-effective.
• Coverage region: There is significant variance in the cost of student health insurance depending on the country the student will be studying in. Student medical insurance in the US is typically more expensive than in many other countries.
• Optional add-on benefits: if the students need additional coverage for specific activities like adventure sports mental illness, preventive care services, home country would cost more.

For a detailed breakdown of these factors and tips on choosing the right plan, visit our guide on the factors for buying best student health insurance plan.