Health insurance for F1 students · opt out, save $1,500.
University plans cost $2K-4K/year. ISO and GeoBlue often half that with comparable coverage. Read your university's waiver criteria before paying.
Your 3 options
F1 insurance broker matching dozens of plans — most popular among NRI students. ~$600–1,200/year depending on age + university. Meets most US university waiver requirements. Multi-carrier shopping, strong claims processing for international students.
Blue Cross Blue Shield network. Premium tier of international student plans — ~$1,000–1,800/year. Larger network than ISO; better if your university hospital is BlueCross-affiliated. Generous mental health coverage.
Cheapest waiver-compliant option — ~$500–950/year. Smaller network and slightly stricter pre-existing conditions. Good fit if your university is in a medium-sized city with multiple in-network options.
Auto-enrolled unless you opt out. Costs $1,500-4,000/year. Convenient (on-campus health centre integration), but expensive vs alternatives. Worth choosing only if your university is in a remote area with limited in-network providers under ISO/GeoBlue.
The waiver checklist — what your alternative plan must cover
Most US universities require alternative plans to meet specific minimums. Common requirements:
- Maximum benefit: $500,000+ per condition, per year (some require $1M)
- Deductible: ≤$500
- Mental health coverage: Equal to medical coverage
- Repatriation of remains: $25,000+
- Medical evacuation: $50,000+
- Coverage period: Must cover full academic term
Always pull your specific university's "waiver requirements" document from the International Student Office before opting out — these vary by school.
Common questions
What if I never go to the doctor — should I still buy insurance?
Yes. F1 visa requires continuous health coverage. A single ER visit (broken bone, appendicitis, COVID hospitalisation) can cost $5,000-50,000 uninsured. The math always favours buying.
Does my Indian travel insurance count?
No. Indian travel/medical-tourism insurance is short-term and rarely meets US university waiver criteria. You need a US-based or US-compliant student plan (ISO, GeoBlue, IMG, or university).
When should I switch to OPT-tier insurance?
Once you start OPT and have an employer, switch to your employer's group plan if available — usually better coverage at lower cost. If self-employed on OPT, ISO/GeoBlue have OPT-specific tiers.
What about parents visiting the US?
Different product — visitor insurance. See our visitor insurance guide for B1/B2 visitor plans.