International students in the USA need the best health insurance given the expensive medical care costs in the country. Given the many student insurance choices, finding the best health insurance for international students in the USA can be challenging. To make the process easy, we list the top international student health insurance options and allow students to filter the US student insurance plans based on coverage benefits.
Non-U.S. Citizens in the USA: As non-resident aliens, international students, F1 visa holders, scholars, J visa holders, and people involved in cultural exchange programs on F, J, M, or Q visas (and dependant family members) are not subject to the individual mandate for their first five years in the US. All other J visa categories (teacher, trainee, work and travel, au pair, high school, etc.) are not subject to the ACA individual mandate if they are in the U.S. for two of the past six years. Since international students are not subject to the mandate, they are not required to buy a student medical insurance plan that meets ACA requirements.
U.S. Citizens: Under the ACA, all US citizens, nationals, and resident aliens are required to buy the minimum essential coverage (ACA-compliant coverage), unless they are exempt. Exempt US citizens include U.S. citizens who reside outside of the U.S. for 330 of any 365-day period, or have a tax home (main place of work or employment, or your main residence) in a foreign country, and are a bona fide resident of a foreign country.
When choosing a health insurance plan as a student, consider your coverage needs, including medical emergencies, doctor visits, prescriptions, and mental health services. Ensure the plan fits your budget, balancing premiums and out-of-pocket costs. Look for a plan with a broad network of doctors and hospitals, especially if you're studying abroad. For comprehensive coverage that ensures your overall well-being, including global coverage, American Visitor Insurance offers a range of plans perfect for international students. With reliable customer support and affordable options, they can help you find the right plan to meet your needs while you study abroad.
The cheapest International student insurance for F1 students is offered by Student Secure Smart Insurance plan, starting at just $31 per month. It provides comprehensive coverage, including medical expenses, emergency medical evacuation, repatriation of remains, and accidental death and dismemberment. This cost of student insurance depends on the student's age, coverage duration, medical benefits, deductible, and co-insurance.
| Insurance Plans | Policy maximum | Deductible | Cost * |
|---|---|---|---|
| StudentSecure Smart Insurance | $200,000 | $0 | $31 |
| StudentSecure Budget Insurance | $500,000 | $0 | $0 |
| Patriot Exchange Insurance | $500,000 | $0 | $103 |
| StudentSecure Select Insurance | $1,000,000 | $0 | $103 |
| Student Health Advantage Standard Insurance | $500,000 | $250 | $118 |
| Diplomat America Insurance | $500,000 | $0 | $120 |
| StudentSecure Elite Insurance | $5,000,000 | $0 | $175 |
| Student Health Advantage Platinum Insurance | $1,000,000 | $100 | $353 |
The average cost of the best rated travel insurance for a one-month stay in the USA typically ranges from $31 to $353, depending on factors like age, coverage, and deductible.
Source: AMERICAN VISITOR INSURANCE®
In American visitor insurance, the cheapest health insurance for international students in the USA starts from $31 to $353 on a monthly basis for a 20 year old student . The price depends on the coverage duration, medical benefits, and the student's age.
The best health insurance cost for international students in USA are :
Student Secure Smart cost starts at $31 per month and $372 per year with a medical maximum of $100,000 and deductible $0 on basis for a 20 year old student.
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