The US is a top pick for international students, but figuring out health insurance can be confusing. Here, we break down how the healthcare system works and why international students need coverage while studying in the US.
Healthcare in the US works differently than in many other countries—there’s no national or universal system that international students can use.
If you need health insurance in the US, you’ll have to pick from private providers and their available plans. That’s why international students should research their options before arriving, so they’re covered right from the start.
Why do I need health insurance in the US?
Medical costs in the US can be shockingly high, and paying out of pocket isn’t realistic. An X-ray alone can range from $100 (£82) to a staggering $22,000, depending on the body part—way too much for most students to handle alone.
Luckily, health insurance plans can cover most medical expenses. There are even budget-friendly options made just for students. By getting a plan that covers you abroad, you’ll have peace of mind knowing you’re protected if you need care during your studies.
How much does US healthcare cost for international students?
Prices vary based on your university, state, or health history. Some schools require all students to enroll in their plan, ensuring everyone on campus is covered. Your visa type might also affect what you need to qualify.
If your university doesn’t offer a plan, don’t worry—you can still get coverage elsewhere.
Student health insurance usually starts at $1,500 to $2,500 per year, but costs go up if you add extras—like sports coverage for athletes. Pro tip: Many students get better rates if they sign up before arriving in the US. Plus, you can use your insurance details in your visa application.
How does US health insurance work?
Every plan functions a little differently.
Most US providers are part of a network where they pay doctors, hospitals, or clinics directly—so you don’t have to. These plans often include set limits, like two X-rays a year or one specialist visit. Sometimes, you’ll pay a small fee (say, $100), and the insurer covers the rest.
Other providers reimburse you after you pay upfront. But this means you might need thousands on hand before getting any money back. Always check how billing works with your provider to avoid surprises.
Finally, some insurers require claim forms and proof before approving payments. Just know: There’s no guarantee they’ll cover everything. If you break the rules or misrepresent anything, they might deny your claims—so be honest from the start.
How do I find the right plan?
Many US universities offer group plans, so ask yours what’s included. If they don’t provide coverage, you’ll need to shop around.
Some schools offer separate plans, while others suggest affordable options for international students. To pick the best one, ask yourself:
- What can I afford in an emergency?
- What’s the plan’s total cost?
- Can I handle monthly/annual payments?
- Do I have existing conditions that need coverage?
- Might I need medical care later?
- Do I play sports that require extra coverage?
Once you know your needs and budget, compare plans carefully. The cheapest option might not cover everything, so read the fine print!
How do international students get US health insurance?
Follow these steps:
- Check if your university has a plan that works for you.
- Ask if it’s included in tuition or costs extra.
- Look for companies offering student health insurance.
- Consult brokers—they might find you a great deal.
- List your must-haves and compare plans.
- See if dependents can be added (if needed).
- Pick the best plan and pay up.
Recommended health insurance plans for international students
Top-rated options include:
- IMG Global – Patriot Exchange Program, Student Health Advantage, Student Health Advantage Platinum
- Cigna Global
- Allianz Worldwide Care – Allianz Care Basic, Allianz Care Pro, Allianz Care Plus
- Foyer Global Health – Essential, Special, Exclusive
- HCCMIS – StudentSecure
- GeoBlue
- Global Underwriters – Diplomat America plan
- Now Health International
