Obama care for international students, ACA compliant international student insurance

Compare and buy student insurance

Enter Age & Citizenship
Destination
Start date
End date

What does international student health insurance cover?

Health care expenses

Health care expenses

Hospital medical expenses for sickness or accidents during coverage.
Sports Activities

Sports Activities

Some plans cover high school sports activities.
Doctor visit

Doctor visit

Covers doctor visits in case of sudden injury or sickness.
Dental Coverage

Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.
Maternity Coverage

Maternity Coverage

Some plans offer coverage for pregnancy, maternity and new born.
Repat of remains

Repat of remains

Repatriation of remains expenses to home country in case of death.

Testimonials - From Our Customers

Thank you for your prompt reply. Thank you for doing some good homework on our behalf. May the Lord richly bless you and all your encounters and may He fill your life with all of his abundance............"Know more

testimonial male
star insurancestar insurancestar insurancestar insurancestar insurance

Ron W

I needed to move my policy date, but remembered it too late. American Visitor Insurance customer support made a lot of efforts to fix it out and succeeded. It's a really good service. Great thanks to your support staff." Know more

testimonial male
star insurancestar insurancestar insurancestar insurance

Konstantin V.B

Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration..." Know more

testimonial female
star insurancestar insurancestar insurancestar insurancestar insurance

Amanda

Resourceful health insurance information for international students...

Find the best student insurance

Find out the best insurance for your budget and needs

Click here to read more »

How to buy student insurance?

Step by step guide to buying the best travel insurance online

Click here to read more »

Student group insurance

Best student group travel medical insurance

Click here to read more »

Visa and travel insurance Groups?

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...

Click here to read more »

F1 visa Obama care for international students

Obamacare for international students

PPACA which stands for Patient Protection and Affordable Care Act also popularly known as the Obamacare after President Barack Obama who introduced the PPACA to make health care accessible to all United States citizens and US residents. Obamacare is however not applicable to international tourists, overseas visitors or foreign students in the United States. It is therefore not mandatory for these non-immigrant visitors to the US. While Obamacare is not mandatory, many universities insist of health insurance that is PPACA compliant.


Student health insurance

International Student health insurance it is very important for international students given the high cost of health care in the US. At American Visitor Insurance, students can find affordable international student insurance plans, which are cheaper than University health plans, while offering similar coverage. However these plans are not Obamacare compliant, which in any case is not required of international students.

International students and Obamacare

Are international students coming to study in US Universities expected to comply by the ACA rules? Hundreds of thousands of students come to the US every year to study in US Universities. International students are considered as Non Residents and therefore not required to comply with Obamacare. There is however a time limit for this. For the first five years of their stay in US as students they are exempt from ACA as they are categorized as Non Residents and after which they are supposed to undergo the process of categorization depending on their status and the number of years they live in the US and outside the US.

According to Obamacare students on J Visa such as teachers, Au pairs, trainees, work and travel visa holders, and high school students are not required to purchase ACA compliant health insurance for up to 2 years.

Since most international students are exempt from PPACA they can buy their own student health insurance from private insurance companies that satisfy their needs as students. At American Visitor Insurance, we offer international cheap student health insurance comparable to University plans in terms of coverage, but are much more affordable. International students must not enrol in an US University without good health insurance as it can be extremely harsh on international students to pay medical expenses in case of any unexpected illness and injury. This is the reason that most US Universities have a requirement for health insurance while enrolling a student in the University programs. There are many US student insurance plans which international students can buy for their health insurance coverage.

International Students insurance

American Visitor Insurance provides access to many student health insurance plans which do not satisfy Obamacare requirements, but are specifically designed to meet University requirements. Our company contracts with highly popular and best rated insurance companies in the US for student health insurance plans. Our website provides abundant information on the available plans and about the plan to help you select the plan suitable for your situation. Our student travel insurance resources page details all the available tools to get price quotes on the plans suitable to your residential status. We have 24/7 customer support available on phone at 877-340-7910 and contact us online to clarify any questions you might have on the Obamacare student plans and the information on our site.

Does student insurance cover covid19 illness?

There are some USA student insurance plans available for travel that cover covid19 as a new illness. International students can compare best Covid student insurance plans and buy it online. These insurance plans are available for students to the US, US citizens and US residents studying abroad as well as non US student studying outside their home country.

Is health insurance mandatory for F1 students?

Most US educational institutions require student to have health insurance coverage while they are attending. However, not all do and not all require the same type and amount of coverage. You should check with your institution and program to see what is required of you.

Are international students eligible for Obamacare?

No. International students are not eligible for Obamacare plans or plans available on each state's insurance marketplace. The only way for an international student to get a domestic plan is to purchase a plan offered by their institution or through an employer. Typically international students have to buy the University medical insurance, or student insurance that we offer if they find the coverage adequate for their needs. In brief, the answer is No to the question - Can international students get Obamacare?

Best health insurance for international students in USA

Which is the best student insurance in USA?

Health insurance for F1 students in USA, Medical insurance for international students
  • Patriot Exchange Covid insurance offers coverage for coronavirus sickness
  • IMG's Patriot Exchange insurance is designed for International students or Cultural Exchange scholars.
  • Student Health Advantage insurance offers Covid19 international student health insurance for medical expenses due to Covid illness.
  • This plan may be renewed for up to five years.
  • Student Secure provides excellent insurance cover to international students and scholars outside their home country.
  • WorldTrips Student health insurance by Student Secure Insurance covers Covid19 illness for international students outside their home country.
  • Study USA student insurace includes coverage for Covid19 illness.
  • Study USA Health Insurance provides affordable student medical insurance to foreign students studying in the US and to US registered students studying abroad.
  • GeoBlue Navigator Student coronavirus insurance offers coverage for medically necessary COVID-19 testing and treatment is covered.
  • Offers worldwide coverage for international students and faculty outside their home country.
  • Offers Unlimited annual and lifetime medical maximum.
  • Pre-existing conditions exclusion can be waived with proof of prior creditable coverage.
  • Coinsurance is waived for care outside the U.S.
  • Sports, terrorist and alcohol-related injuries are covered
  • Exceeds J-1 visa requirements
  • No waiting period associated with any preventive services.

F1 visa obamacare student insurance information

Health insurance for international students in USA

International health insurance for students

international student insurance USA

Popular countries among international students

Check here for the popular countries insurance for international students....

International student insurance FAQs

Do international students need health insurance? Do f1 students need health insurance?

Without doubt, all students should have health insurance while they are in the US. The US health care costs are the highest in the world and a minor injury or accident could set you back tens of thousands of dollars. Being healthy and taking care of yourself is, of course, highly recommended, but accidents happen to us all and when we least expect. Students should have proper insurance before anything emergency situation arises so that you do not find yourself in serious debt.

Can international students get health insurance?

Yes, International students can definitely get student medical insurance, we offer many student insurance options on American Visitor Insurance. Quite often, the universities themselves offer student insurance, however this can be expensive.

At student insurance plans that we offer are considerably more affordable than the University insurance plans, while providing similar coverage benefits. However, students should confirm if the University allows students to but insurance outside the University, and if they can get the required insurance waiver for this student insurance.

Can international students get medicare?

No. International students are not eligible for Medicare. Medicare is a US government program only available to US citizens or US permanent residents who have paid into the US system.

What is international student health insurance?

International student health insurance is health insurance coverage for individuals who are studying abroad either short or long term while away from their home countries. Many of the US domestic health insurance plans may not cover a person fully while abroad.

Also, some international programs may require certain levels of health insurance while participating in their programs. Luckily, we at American Visitor Insurance have made it easy to compare and find a student health insurance plan just right for you and your situation.

What is the best health insurance for international students? What is the best insurance for international students?

The best student medical insurance will vary for each student. There is no single student insurance which will work as the best international student health insurance plan for all students. The factors to consider while identifying the best student insurance will be the coverage benefits, the provider network and the cost of the health insurance for international students.

Is there health insurance for college students?

US citizens are eligible to purchase health insurance plans through their state's health insurance marketplace. Non-US citizens can purchase visitor insurance plans. Those foreign students on the F or J visas qualify specifically for "student" health insurance plans which are often cheaper than visitor insurance. Students can compare student medical insurance plans and make an informed choice.

Does college offer health insurance?

Most colleges offer group health insurance for their students. This may be required if the student does not have any other insurance. Check with your institution as to what is available.

However the student insurance plans that are offered in American Visitor Insurance are usually cheaper than University insurance while offering similar coverage. Students can compare the coverage of the University insurance along with the plans on this website and make an informed decision.

How much does health insurance cost for a college student?

The health insurance cost for the college student will depend on the coverage benefits of the student insurance plan, the age of the student, the medical maximum coverage required and the deductible for the plan. The cost of student health insurance coverage within the US is more expensive when compared to coverage outside the US.

Why should international students compare health insurance?

Most international student health insurance plans seem similar on first impressions. However, while they have many benefits in common and the premium is also similar, different student insurance plans do have some additional benefits or perhaps some specific constraints.

In order to choose the best plan based on the students requirements and to get sufficient coverage from the international student insurance plan, it is important to compare different features available in the student health insurance plan.

The following are important factors for comparing student health insurance plans:

Policy Maximum: This is the maximum amount on the insurance plan which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an extreme emergency as per the policy guidelines and conditions mentioned in the policy.

Deductible: The deductible options can range anywhere from $50 up to $5000 between the plans. A larger deductible means lower premium price and vice versa. Picking a large deductible thus low premium by choosing a comprehensive plan is usually recommended, as most of the comprehensive plans have an one time deductible and is cost effective.

Pre existing condition coverage: This is very important benefit factor as many customers need this benefit. The student plans have a minimum 6 month waiting period for coverage of pre-existing conditions.

Coverage for mental illness and drug abuse: This coverage is required by most of the universities.

Cancellation and Renewability: Each plan have their unique cancellation and renew-ability policies. It is important to pay attention to it if there is any ambiguity while booking insurance initially.

Sports and other unique activities: Some of the plans provide coverage for intercollegiate and interscholastic sports...

Based on these factors, American Visitor Insurance provides an excellent compare student medical insurance facility where getting quotes as per students’ requirements. Once the required information is entered in the form, a summary of popular student insurance plans are displayed which can be compared.

student
US student F1 visa medical insurance FAQs
Click here

Steps to compare and buy
Best International student insurance

 Step 1: Finding the available best health insurance for international plans

Complete the student insurance quotes request form by providing details of the student and insurance requirements.

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Step by step travel insurance

Buying health insurance for international students studying in the USA

There are different factors that determine the cost of best health insurance while studying in USA:
Question

Health insurance international students age

The student’s age is a vital factor that determines the cost of the best USA medical insurance for students. The prices vary for different age groups. The prices while buying f1 visa us health insurance will increase with the increase in the age of the student.

hour glass

The duration of coverage

The price of cheap graduate student health insurance USA can be either monthly or on a daily basis. The price will be more with an increase in the duration of coverage required.

Medical insurance

Maximum medical coverage

The cost of health insurance for international students in USA is directly proportional to the medical maximum coverage required. The cost of F1 student medical insurance is less for a budget conscious student who chooses basic coverage while higher medical maximum coverage will cost more.

Student health insurance for top US colleges and universities
Click here

Covid F1 student health insurance

Despite the spread of the BA.5 Omicron sub-variant, all international students with the F1 and J1 visa's are now allowed in the US. International students should however check the university updates and the covid19 requirements before travelling to US.

Unfortunately, even years after the pandemic started in China, Covid is again making a comeback with new immune-evasive variants. The Covid situation is made even more complicated in the US with influenza and the respiratory syncytial virus (RSV) which spreading earlier and faster than usual. International students should buy the best student travel insurance with covid-19 coverage. In case one contacts covid19 infections the illness will be covered and this includes the new sub-variants. Regardless of the variant a covid cover will provide students with coverage for the Covid infection.

There are many international students in the US either without proper US student medical insurance, or with F1 student insurance that does not cover Covid19. Given the health risk involved due to the Covid19 pandemic, it is very important for students to buy good Student medical insurance which includes coverage for Covid19. A Covid-19 coverage will offer protection towards the coronavirus illness just like any other illness under the benefits of the policy regardless of the variant. At American Visitor Insurance, we offer several international student health insurance with Covid19 coverage. The Covid-19 cover provides coverage just like any other illness irrespective of the variant.

Earlier international students in the US had to buy affordable care act, ACA (Obamacare) compliant medical insurance, however recent changes have removed this requirement. International students can now buy student health insurance plans offered on our website without violating US government requirements. These are some international student health insurance plans with Covid19 coverage. Students while studying in the US need not worry about getting coverage for mutated variants. Irrespective of the variant covid-19 cover will provide students with the coverage if contracted the illness.

International Medical Group Covid19 health insurance plans for international students in the US

The International Medical Group offers affordable student health insurance coverage for Covid19 medical expenses. Their popular Covid19 International student health insurance plans that offer coverage for medical expenses from coronavirus are

TravelInsure Covid19 insurance for F1 students

TravelInsure Covid19 student health insurance by Study USA (Plus, Preferred and Platinum plans ONLY) offers international health insurance with coronavirus coverage for students outside their home country.

Seven Corners Covid19 Health insurance for F1 and F2 visa Insurance

Seven Corners offers Liaison Student Plus insurance for international students and faculties outside their home country. It covers student medical expenses arising from Covid19 illness. The treatment benefit is available for COVID19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV2.

GeoBlue Covid19 insurance for F1 students

GeoBlue Covid19 student health insurance by Navigator for Student with coronavirus coverage covers medically necessary COVID-19 testing and treatment is covered.

International students can compare student insurance plans to most appropriate plan that suits their specific needs.

Compare student insurance plans

There are some F1 visa students still stranded in the USA or on the OPT status who are not enrolled in any classes. In this situation students are not limited to buying US student health insurance and can buy short term US visitors medical insurance. The visitors health insurance plans are cheaper and work well for international students while they are not enrolled in classes. International students can review US visitors medical insurance plans that fit your needs.

Please know we are here to help you make an informed decision to get international students insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Student medical insurance


Compare best student insurance online
Compare US students medical insurance online, ideal as F1 visa insurance and J1 visa insurance...

International Student health insurance in USA
Compare US international student insurance to find the plan for your budget and needs ...

Going to the US to Study?
Compare US students medical insurance for the plan that fits your needs best...

International Student health insurance in USA
Compare and buy the best US student insurance online...
years
Offering student medical insurance for
20+ years!
states
Customers from
All U.S. states!
countries
Customers from over
180 countries!