Health Insurance in the United States! How to get it as an International Student?


Meridean Overseas

Updated On 21 October 2022 & Read Time 6 minutes



Are you planning to study in USA but are not familiarised with the healthcare system there?

The United States has a unique healthcare system different from others worldwide. The USA doesn't have any nationalised or universal healthcare that international students in USA can get access to. Instead of this system, the USA relies on individuals to have private health insurance plans.

Every aspiring student should research and check their health insurance before going to study in USA. It is always best to know things beforehand. Living in a different country can seem daunting, but checking a few things off the list would be good, right? In this blog, let's explore the health insurance available to international students in USA and move closer to your study abroad dream.

Health Insurance in the United States

Medical costs in the US are expensive. Getting sick is something an international student in USA can't afford. But, there are cheap health insurance plans that come as a relief to students. Students can find these low-cost student plans and plan at affordable costs, often much lower than what US citizens pay for their health insurance.

Your insurance plan must cover you as an international student from when you leave your home country until you return. An insurance plan will provide you and your family peace of mind and help in a medical emergency. Insurance protects you in case the unexpected occurs.

Points to Know

The cost and policies of health insurance vary from campus to campus. Some institutions offer plans where students are required to enrol.

  • Requirements vary depending on the visa category.

  • No Universal or nationalised healthcare

  • Some universities have

  •  health insurance plans.

  • Lack of insurance may affect studies.

  • There are other ways to obtain health insurance.

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Find Your Insurance Plan


  1. Find your requirements

for international students in USA, institutes have requirements and plan you must meet. Some common ones are listed below:

  • Many universities in USA have a required group plan that students must enrol in. The school collects the cost.

  • The student can choose a different plan.

  • Universities in USA have a selected plan that students must buy independently.

  • Top Universities in USA sometimes recommend affordable health insurance for international students, or you can find a low-cost plan suitable to your needs.


  1. Understand your needs

You might often think about which health insurance is best insurance for international students in USA. To answer this, you first need to understand what is required.

Ask yourself these questions:

  • If needed medical attention, what can you afford to pay?

  • What is the budget to pay the insurance loan?

  • Is there something that might later need medical care?

  • Are any sports I play that might cause me to pay for insurance later?

By understanding your needs, you'll be able to evaluate plans and choose the best and low-cost student plans. With this, you'll have a comfortable period of study in USA.


  1. Find out what the plan covers

Research well about the plan you want to finalise. Cross-checking if what the plan offers matches your needs is a must. Going for cheap health insurance that might benefit you can be a good solution.


  1. Understand how your insurance plan works

The fact that US-based insurance plans have a US network and the insurance company will pay your doctor, hospital, or clinic directly is one of the numerous benefits of doing so. Several international insurance carriers will reimburse only expenses you paid out of pocket. This is especially crucial because paying medical bills up front and submitting a claim for reimbursement in the US can be highly expensive. Additionally, for an insurance claim to be handled, some insurance companies will need you to fill out a claim form and submit additional pertinent documents. Make sure you are familiar with the procedure to be ready if you ever require medical attention.

How to get Health Insurance in the USA as an International Student

It might seem like a task to get health insurance in the USA, but following a few simple steps will help you understand the process.

  • Check with your university if they have a plan for you. Many top universities in USA have their plans, which might be according to your needs.

  • Ask them if it counts in the tuition bills or if you need to pay them additionally. Proceed with completing the payments.

  • Search for companies offering health insurance for international students in USA.

  • Check with the brokers.

  • Including the waiver form, list the benefits necessary for you. Compare it with plans offered by companies you checked with.

  • Check if you bring someone along; their dependence is included in it or not.

  • Select the most suitable plan and pay for it.

Cost of Health Insurance for International Students in USA

The American College Health Association reports that university students' average health insurance plan costs $1500-$2500 annually. All college health plans must meet the standards for student health insurance and benefits coverage through the American College Health Association.

Cheapest Health Insurance for International Students in USA

In most cases, the cheapest health insurance for international students is the one they get while still in their home country.

It is advisable to get valid and cheap health insurance before coming to study in USA. Getting health insurance in the USA could be costlier than getting one in your native country and using it in the visa application.

When you get to the US, you will present that health insurance. So why not choose cheap health insurance in your home country rather than seek it out afterwards? 

Students who wish to learn more about affordable health insurance for international students in USA may contact our expert counsellors at any branch of the Meridean Overseas Education Consultants (MOEC). Our expert education counsellors will provide you with the best support and guidance for admission to European Universities. For more information or any queries, you mail us at or call us at 1800-1230-00011

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