Best health insurance for F1 students

International students in the U.S. on an F1 visa are not required by the U.S. government to have health insurance. However, most colleges and universities require F1 students to carry health insurance as a condition of enrollment. Each school sets its own rules, so coverage requirements can vary.

Mandatory University Student insurance (No Waiver): Some universities require all international students to enroll in their sponsored group health insurance plan. The cost is often included in tuition. While these plans are often more expensive than buying an individual policy, these plans are usually comprehensive, covering a wide range of services like maternity, pre-existing conditions without waiting periods, mental health, and preventive care. If your school follows this approach, review the plan details carefully to ensure you’re fully covered. Check whether the insurance extends to school breaks or Optional Practical Training (OPT). If it does not, a travel medical insurance may be a good supplement. Additionally, some school-sponsored plans may exclude emergency medical evacuation, repatriation, or certain travel-related benefits. It is therefore recommended to buy an evacuation and repatriation specific plan can help fill those gaps.

Student insurance with Waiver Option: Many schools offer a mandatory plan but allow students to "waive out" if they can demonstrate they have comparable private insurance. To do this, you'll need to submit a waiver form detailing how your chosen private plan meets or exceeds the school's specific benefit requirements. At American Visitor Insurance we offer university comparable coverage and help fill the waiver form.

No Compulsory University Sponsored Plan: In this scenario, you have the freedom to choose any insurance plan that suits your needs and budget. However, it's still crucial to ensure the plan provides comprehensive coverage and is from a reputable provider.