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.
Many universities automatically enroll F1 students in a school-sponsored health insurance plan and add the premium to tuition fees. These plans meet all school requirements but can be expensive.
Some schools allow students to waive the school plan if they purchase a private insurance policy that meets the same criteria. Private plans can be more affordable and flexible, especially if you are healthy or planning to travel outside the U.S.
| Option | Pros | Cons |
|---|---|---|
| School-sponsored plan | Guaranteed to meet requirements, easy to enroll | Often expensive; limited flexibility. |
| Private plan | Flexible, often lower cost; can cover travel, OPT/CPT | Must meet exact school criteria; requires waiver processing. |
Medical care in the United States is very expensive. Without insurance, a simple emergency room visit can cost thousands of dollars. The right health plan protects you from unexpected costs while ensuring you get quality care during your studies.
International Student insurance
J1 visa holders insurance
F1 visa holders insurance
Student insurance reviews
F2 visa health insurance
USA Student overseas insurance
Best health insurance for students in USA
US students studying abroad insurance
OPT student health insurance
Obamacare requirements
Student group travel Insurance
Student colleges requirements
