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Health Insurance for International Students

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According to the Migration Policy Institute (MPI), approximately 1.1 million international students were enrolled in U.S. colleges and universities for the 2019-2020 school year. If you are one of those international students traveling to the U.S., you could have quite a shock when you realize you don’t have the same universal healthcare programs provided by your home country.  Expensive healthcare and medical procedures can leave you financially devastated without health insurance coverage. Most colleges in the U.S. require foreign students to carry health insurance. 

Here’s how it works.

The Mandate

Many U.S. colleges and universities mandate student health insurance. This requirement includes health insurance for international students. Some higher-learning institutions offer health plans for students, but regardless, if the university requires a health plan, you must find coverage to meet the mandate, which is handed down from the U.S. Department of State, a branch of government regulating America’s foreign policy. According to the IRS, you must be considered a “Resident Alien” for federal income tax purposes to fall under any federal health insurance mandate.

The Visa Changes Everything

Your foreign student health insurance requirements will depend on your type of visa. For example, if you are on a J-1 or J-2 visa, you must have insurance. However, F-1 visa holders don’t need State Department mandated insurance, and some schools bring students in on those visas. You will have to check first.

Some states overrule visa exceptions and require all students to have insurance irrespective of what the State Department says. It’s not a blanket rule for everyone. 

Don’t make the mistake of thinking you can rely on free healthcare such as community healthcare clinics. Access to these healthcare facilities is extremely limited, and you may not meet the eligibility requirements. You have no guarantee you won’t need emergency services or even routine healthcare while you are living as an international student in the U.S. 

The U.S. has one of the most costly health care systems in the world. Even if your school’s state has no mandate, it may be to your advantage to carry health insurance to cover costly U.S. healthcare. 

Does the School Have an Insurance Plan?

Before making the final decision to purchase health insurance, check with your school to see what is available to you. A college can be a massive institution with billion-dollar endowments and lots of employees. It may have its own insurance plan, and it can enroll foreign students on those plans. However, some schools are better organized than others, and it might take some wrangling to get this process to work. Some U.S. universities have health insurance specialists who consult with you and advise you of your health insurance options.

Other Healthcare Options

Whether or not your school has a health insurance mandate, you may still need healthcare in a country where it is expensive and universal healthcare is lacking. Finding health insurance as a foreign student could be challenging, but other healthcare options could suffice..

Even though access to free clinics in your area may be limited, if you are in immediate need of healthcare, it doesn’t hurt to check. If you have an emergency, you may be able to obtain emergency healthcare on your campus that can treat you for immediate healthcare needs. 

These school clinics are sometimes staffed by students and overseen by medical professionals. Services are generally limited to basic healthcare such as first-aid. However, some campus healthcare centers are quite sophisticated and comparable to primary healthcare centers. Even if the services at on-campus health centers are not free, they are usually available to students for a minimal fee.

You may also look into purchasing private insurance, but it has to be domestic — in other words, you must purchase a U.S. health insurance policy. You cannot purchase a plan from another country hoping it will work here. Most schools and the State Department are not okay with that. To be eligible for international student health insurance, you need to be a full-time student enrolled in a U.S. college or university.

One practical solution for health insurance for international students is temporary health insurance or a short-term policy. If you are only going to be in the U.S. for a short time and are already covered at home by your parents’ health insurance, this easy and workable solution keeps costs down.

Short-term health insurance policies are also more affordable for students on a budget. Some insurance companies selling international student health insurance do not provide policies to students enrolled in Optional Practical Training (OPT) or for students on an F-1 visa. For these students, a temporary health insurance policy may be the only option.

Registering for Classes Might be Difficult

If you are an international student without health insurance, you might not be allowed to register for classes even if you get through customs and get settled. Your best bet is to contact your school and ask about registration procedures and health insurance requirements. The school can advise you, and once you know the rules, you can purchase the correct health insurance plan to meet the school’s requirements. 

Benzinga’s Best Health Insurance Carriers

When you are young and in good health, healthcare coverage is the last thing on your mind. The problem is, you never know when an unexpected illness or healthcare emergency could develop. Why not find an affordable healthcare plan to avoid the burden of unexpected medical expenses and financial debt? Several private insurance companies sell health insurance coverage designed specifically for international students. We’ve compiled a list of some of the best health insurance plans available to help you get started.

compare quotes securely through Aetna Inc’s website
# of Healthcare Providers
28k+
Online Application?
Yes
1 Minute Review

Blue Cross Blue Shield is an established health insurance company that can offer you a number of coverages. Its provider network is expansive, which means you can likely find a doctor who accepts insurance near you. There are no annual maximum limits on any level of BCBS’s health insurance policies and its reviews are mostly favorable all across the country.

Best For
  • Comprehensive coverage options
  • Exclusive discounts and partnerships
Pros
  • Coverage in all 50 states and outside the country
  • Covers both generic and brand-name drugs
  • Wide network of doctors, hospitals and specialists
Cons
  • Plans offered through regional companies, meaning you must look to your regional company for specific policies
  • Main customer service helpline may be difficult to reach
Get started securely through Kaiser Permanente’s website
# of Healthcare Providers
150k+
Online Application?
Yes
1 Minute Review

Kaiser Permanente is a not-for-profit health plan. Kaiser Permanente offers both health insurance and health care, which has resulted in excellent reviews from customers and rating organizations. Kaiser Permanente does have limited service areas, and you typically need to stay in-network for services unless you’re experiencing an emergency.

Best For
  • People in Kaiser Permanente service areas
  • People who don’t mind managed care
  • People who like to manage their care online
Pros
  • Many services available in one location
  • Ability to make appointments online or using an app
  • Good customer service
Cons
  • Limited service area
  • Need to stay in the Kaiser Permanente network for most services
get started securely through Sidecar Health’s website
Best For
People in Good Health
N/A
1 Minute Review

Sidecar Health is another approach to traditional health insurance. Instead of your health care providers billing your insurance, you pay upfront using the Sidecar Health payment card. This results in savings of up to 40% on healthcare costs for its customers. 

Established in 2018, Sidecar Health is based in El Segundo, California. Its plan options are easy-to-understand and allow you to shop upfront for affordable health care rather than receiving care and finding out what it costs later. 

Learn more about Sidecar Health and how it works.   

Best For
  • People who are younger than age 65
  • People in relatively good health
  • People who want to shop for affordable doctors, specialists or procedures
  • People who want transparency in healthcare costs
Pros
  • You can customize your plan
  • It may reduce healthcare costs by as much as 40%
  • In some states, you can opt for a rate lock, which keeps your monthly cost from increasing for up to 3 years
  • It offers a questionnaire to assist you in deciding whether Sidecar Health would be a good fit for you
  • It has a mobile app to access information on-the-go
  • No provider network, so you can see any doctor with no referrals needed
Cons
  • Plans are not compliant with the Affordable Care Act (ACA)
  • Plans have an annual coverage limit
compare quotes securely through Humana’s website
compare quotes securely through Cigna’s website
Compare Plans securely through Pivot Health’s website
# of Healthcare Providers
Wide range of providers
Online Application?
Yes
1 Minute Review

Pivot Health is your partner in big life changes that may require you to seek temporary health insurance. Pivot Health can help you find short term health plans, supplemental insurance products and more. Compare plans from multiple providers and get insurance that fits your needs today.

Best For
  • Comparing short term health plans from multiple providers
Pros
  • Work with the most trusted short term health plan providers
  • No network restrictions
  • Telemedicine coverage
Cons
  • Plans not available in every state

Stay Healthy While Studying Abroad

You want to remain focused on your education and not be distracted by things like purchasing health insurance. However, now that you understand how important the insurance mandate is and how much you need it, it pays to take the time to research and compare your options to find your best health insurance option as an international student. The key is finding an affordable plan that still offers comprehensive medical coverage. 

Frequently Asked Questions

Q

Can foreign students get health insurance?

1
Can foreign students get health insurance?
asked
A
1

Yes. Most colleges require it, and many schools offer plans. However, that is not always the case, and prices vary widely. The policy must be domestic and cannot be a foreign health insurance policy. Private insurance plans are available to foreign students, including short-term health insurance plans.

answered
Q

What are the most important considerations?

1
What are the most important considerations?
asked
A
1

Once you’ve decided you need to purchase health insurance as an international student, you have a few things you’ll need to consider. Find out whether the plan covers both accidents and illnesses. You’ll also want to check into out-of-pocket expenses such as copays and deductibles. Are you able to use any doctor you choose? One of the most important things to look at is the policy exclusions (things that are not covered by the plan).

answered
Q

Can international students use Medicaid?

1
Can international students use Medicaid?
asked
A
1

Yes, if you are considered a “qualified noncitizen,” you can receive coverage through the Children’s Health Insurance Program (CHIP) or Medicaid, but you would need to meet the state’s income and residency requirements. However, as a foreign student, you may find it difficult to obtain Medicaid or CHIP coverage because of long wait periods (up to 5 years with a few exceptions).

answered