How to get started
- Download your university’s waiver requirements
- Compare coverage, deductibles and network
- Buy the plan and get proof of coverage
- Submit the waiver before the deadline
Pros
- Built to meet most university waiver rules
- US-wide provider network
- Covers mental health visits
Cons
- Check your school’s waiver list first
- Pre-existing condition wait periods
What to watch for
- Waiver deadlines each semester
- Mental health and prescription coverage
- Waiting periods for pre-existing conditions
Verdict
Worth comparing if your school plan is expensive, but only if it clearly meets your school’s rules.
Frequently asked questions
Will my school accept any plan?
No. Each school sets its own waiver criteria. Check them first.
Do J-1 visitors have special rules?
Yes. J-1 exchange visitors have federal minimum insurance requirements.
Guides that mention it
- ACA open enrollment 2027: what changes for immigrants
- Best US cities for international students
- Cost of a master’s degree in the USA for international students
- International student budget: tuition, housing and food
- Student health insurance waiver: how to waive your school plan
- Student loans for international students: options without a US cosigner
- US health insurance basics: premiums, deductibles and copays
- What international students actually need to buy