As an Indian student bound for the United States, you’re no doubt excited about the opportunities that lie ahead. However, have you considered the financial implications of medical care in the USA?
The USA does not have universal medical care that offers free or low-cost coverage. You have to plan and buy a student health insurance plan to defray the cost of medical attention.
This article will offer insights into cheap health insurance for students traveling to the USA. We shall explore affordable options and offer expert tips to help you secure cheap health insurance.
Is health insurance mandatory for foreign students?
The health insurance requirements for international students vary depending on their visa type. Let’s examine the requirements for F-1, J-1, and M-1 visa holders.
F-1 Visa
Health insurance isn’t mandatory at the federal level. This means you do not require health insurance to be eligible for the visa.
However, most universities require international students to have coverage due to the high cost of healthcare in the USA. Requirements vary by school, so checking with your university’s international student office is essential.
J-1 Visa
The US Department of State mandates health insurance for J-1 visa holders and their J-2 dependents. The insurance must meet specific requirements, including:
- Medical benefits of at least $100,000 per accident or illness
- Medical evacuation coverage of at least $50,000
- Repatriation of remains coverage of at least $25,000
- A deductible of no more than $500 per accident or illness
Failure to buy and maintain adequate health insurance can result in potential termination of the exchange program.
M-1 Visa
M-1 visa holders, who are enrolled in vocational or non-academic programs, do not have a federal requirement for health insurance.
However, like F-1 students, individual institutions may require M-1 students to have health insurance.
To ensure that students have adequate insurance, many universities automatically enroll international students in their student health insurance plans. But you can waive or opt out if you have alternative coverage meeting the requirements.
Also Read: Study Abroad Guide for Indian Students 2024
Affordable health insurance plans available for foreign students
The USA has more than 900 health insurance companies. They offer thousands of plans for students, travelers, and other temporary residents.
You have to make an informed decision based on your healthcare needs and budget. The main considerations are the coverage provided and the cost.
Here are some leading providers offering comprehensive and affordable plans:
ISO Insurance
Offers customizable cheap health insurance plans for F1, J1, and F2/J2 dependents, ensuring flexibility and affordability.
International Student Insurance (Student Secure)
Provides four coverage levels, catering to diverse needs and budgets. One of the best-known and trusted providers of cheap health insurance for students.
Allianz Care
Offers extensive coverage up to $5,000,000, with flexibility to tailor plans to individual needs.
Cigna Global
Features four plan types: Silver, Gold, Platinum, and Cigna Close Care Plan, ensuring options for every budget.
Blue Cross Blue Shield
Partners with colleges and universities to offer specialized international student health plans.
Kaiser Permanente
USA’s leading health insurance provider known for low average premiums and deductibles, making quality healthcare more accessible.
Other notable options for international students include:
- ExchangeGuard
- Patriot Exchange Program
- Student Health Advantage
- Study USA
- Navigator Student
- Patriot America
Here are the details of affordable health insurance plans for international students.
This table provides an overview of key features and premium costs for various plans offered by leading insurance providers:
| Insurance Provider | Plan Name | Coverage | Deductibles | Coinsurance | Additional Benefits | Monthly Premium |
| ISO Insurance | ISO Student Health Insurance | Up to $1,000,000 per injury or sickness | $25 at Student Health Center; $90 in-network; $225 out-of-network | 80% in-network; 75% out-of-network | Emergency medical evacuation: $100,000; Repatriation of remains: $50,000; Durable medical equipment and mental health coverage | Starts at $60/month |
| Allianz | Care Plan | Up to $5,000,000 | Not specified | Not specified | Extensive mental health coverage, 24/7 support, 900,000 providers, vaccinations, and check-ups | $69 to $99/month depending on coverage level |
| International Student Insurance (ISI) | Comprehensive Student Health Insurance | Emergency medical: Up to $5 million | Customizable | Customizable | Mental health, maternity, sports coverage; 24/7 support; Global healthcare access | Starts at $28/month |
| IMG | Patriot Exchange Program | 30 days to 48 months | Customizable | Not specified | Inpatient/outpatient treatment, emergency dental care, COVID-19, lost property, legal assistance, visa compliance | $37.50 to $75/month depending on coverage |
| Cigna | Student Health Advantage Standard | Up to $500,000; $100,000 for dependents | Not specified | 90% in-network; 80% out-of-network; 100% internationally | Maternity, mental health, sports injuries; Unlimited telehealth | $100 to $150/month depending on plan |
Now that we’ve explored the top health insurance providers for international students in the USA, let’s dive into the best strategies for saving on health insurance.
Also Read: International Student Health Insurance USA 2024: Complete Guide
Benefits of student health insurance plans
Having the right health insurance plan can make all the difference to an international student in the USA. The cost of healthcare is prohibitively high and it is impossible to be without coverage.
Here are the benefits of cheap health insurance plans for international students:
Financial Protection
Health insurance provides financial protection against unexpected medical expenses. This reduces the risk of medical debt and sudden financial burden. By covering medical costs, health insurance helps ensure that you can receive the necessary treatment without compromising financial stability.
Comprehensive Coverage
Health insurance offers comprehensive coverage for various medical services. These include:
- Doctor visits
- Hospital stays
- Surgical procedures
- Emergency care
- Diagnostic tests
- Treatments
Additionally, most healthcare plans in the USA cover prescription medication and mental therapy.
Preventive Care
Health insurance plans cover preventive care services. You get free routine check-ups, screenings, and vaccinations. It helps identify health issues early on and prevents more severe conditions from developing.
Dental Coverage
Some plans include dental coverage which is indeed welcome. A root canal can set you back by $3,000. Many plans also cover the cost of braces and crowns.
Peace of Mind
Most importantly health insurance provides peace of mind and reduces stress and anxiety related to healthcare costs. With adequate coverage in hand, you can focus on recovery and well-being.
Most plans also offer coverage across North America. This is handy if you want to visit Mexico and Canada.
Types of health insurance plans for international students
Where to buy cheap health insurance for students? You have two options. Most universities have a healthcare plan. Otherwise you could also buy from private insurers.
University-sponsored Plans
University-sponsored health insurance plans are ideal for international students and offer several benefits. These plans meet university and state rules, and offer comprehensive coverage including medical, mental health, and preventive care.
They often include additional benefits such as dental and vision coverage, and may offer discounts.
Private Health Insurance Options
Private health insurance plans offer flexibility and customization for international students. These plans offer varying levels of coverage, depending on health insurance premium, and may be more affordable compared to university-sponsored plans. Students can choose the cheapest medical insurance or go for one with multiple riders for comprehensive coverage.
Before making the choice international students should research and compare plans carefully and consult insurance experts if necessary.
How can international students save on health insurance in the USA?
With numerous health insurance options available, Indian students can optimize their coverage while minimizing costs. In this section, we discuss the best ways to reduce healthcare expenses. These tips ensure you receive comprehensive protection without breaking the bank.
Compare University Plan vs. Private Insurance Plans
Many universities offer health insurance plans via their partners. This is really convenient since you don’t have to hunt for a plan that has all the bells and whistles at an affordable price point. But if you search you can possibly find cheaper options by private insurers in the marketplace.
Understand Deductibles and Coverage
If you are generally healthy and do not have any chronic illness opt for a plan with a higher deductible. The chances you will need to use a medical facility is low and choosing a plan with low deductibles (at higher premium) has no advantages.
Research Reputable Providers
Look for insurance companies that cater specifically to international students and have affordable plans. They should also have a good reputation for customer service and claims processing. International Student Insurance (ISI) and ISO Health Insurance are excellent in this regard.
Check for Discounts
Some insurers offer special discounts for students, so inquire about available options. Many US states have official resources with complete information and comparison tools. Such as, the state of Colorado has a Quick Cost & Plan Finder website.
Consider Your Needs
Healthcare plans in the USA also pay for doctor’s visits. That is why customers can choose plans with high and low visitation frequency. The former costs more. If you are healthy and in your 20s, all that you might need is an annual checkup. But if you have a chronic condition like asthma or Type 1 diabetes more intensive management is necessary. Analyze your typical healthcare needs and choose a plan that provides adequate coverage.
You certainly cannot overlook health insurance. It is imperative you have it, even if the institution does not have a mandatory policy.
But with so many insurance products it can be difficult to choose the plan that is most suitable for you. You might opt for a plan with multiple riders because you are worrying about all eventualities. But such a plan could set you back by many lakhs of rupees.
Health insurance should not be either too little or too much. This is one of the many stages in your study-abroad journey where GradRight helps you.
Also Read: Insurance on education loan
How GradRight assists in finding affordable health insurance
GradRight makes sure you do not overspend on health insurance. By signing up, you gain access to a comparison of health insurance plans from highly reputed and trustworthy US-based insurance companies. This allows you to review multiple insurance plans that meet your university’s requirements, but at a more affordable price than you can otherwise purchase.
GradRight can help you save up to ₹3 lakhs annually on health insurance. For younger students even greater savings are possible. All plans are from trusted insurers like United Healthcare and Aetna who offer the coverage you need.
So, bid goodbye to the stress of overpaying or missing out on essential coverage as GradRight simplifies the process.
Sign up today to start saving on health insurance as part of your journey to studying abroad.
FAQs
Health insurance requirements for international students in the US vary. It is not mandatory at the federal level for F-1 visa holders. The same holds true for students on an M-1 visa. However, most universities require mandatory coverage.
J-1 visa holders must have insurance meeting US Department of State requirements.
There are also local laws in this respect. Some states, like California, mandate health insurance. Given high US healthcare costs, buying adequate health insurance is crucial.
The USA does not offer free universal healthcare as we find in Europe. Like American citizens, international students too have to buy health insurance plans from private insurers.
The USA has limited free treatment options for those above 65, known as Medicare. There is also a plan known as Medicaid for highly discounted healthcare for the poorest. None of it applies to Indian students or workers in the USA.
