OPTima Enhanced
Starting at
$79/month
- Annual Maximum - UNLIMITED
- Per Event Maximum - $500,000
- Deductible Per Event - $250
- Coinsurance - 75%
Short-term Health Insurance for OPT and STEM OPT
Affordable health insurance dedicated for OPT - starting at $39/month, with monthly enrollment and coverage anywhere in the U.S.
Why OPT Students Need Health Insurance
U.S. Healthcare Is Expensive
Avoid high medical bills from unexpected sicknesses and injuries.
School Insurance Ends
Stay protected while on OPT. Start coverage as soon as you apply for EAD.
Immediate Coverage
Bridge the gap while you wait for
employer plan to start.
Trusted by Over 1M International Students
See What Our Customers Are Saying
Exceptional Guidance & Support
Exceptional Guidance & Support - Extremely knowledgeable in navigating the overwhelming health insurance system, especially as an immigrant still learning its complexities. I truly appreciated the patience, kindness, and assistance throughout!
Love everything about them. Help me save a lot of insurance money. Fast consumer service. And everyone is friendly and make you feel welcome despite it is just a phone call.
The best health insurance for international students living in USA. I have been using ISO from the past 2 years and since then they have never disappointed me with their services, all my expensive medical bills including prescriptions have been covered by the insurance provided by ISO. Thank you ISO for being a supportive pillar to the student community!
I am a visiting scholar from Brazil and have searched insurance options for covering me and my family during our stay in USA. ISO was one of the companies suggested by the University. ISO did really good job on advising me among different options and guiding me thru the process. Simple, fast, and with a competitive price!
As an international student, who is very new to the insurance system in the US, I found the kind and quick responses of ISO agent (via phone call / mails) to all my queries very helpful. Their responses to my bucket of questions guided me throughout my application process for insurance to my school. Thank you!
OPT Plan Highlights
OPTima Basic
Starting at
$39/month
- Annual Maximum - UNLIMITED
- Per Event Maximum - $125,000
- Deductible Per Event - $400
- Coinsurance - 75%
Why Choose ISO
Monthly Options
Flexible, short term plans, get the coverage period that fits your needs.
Flexible, short term plans, get the coverage period that fits your needs.
Nationwide Coverage
Perfect for job searches, travel, and relocation anywhere in the U.S.
Perfect for job searches, travel, and relocation anywhere in the U.S.
Starting at $39/Month
Affordable coverage without breaking your budget.
Affordable coverage without breaking your budget.
Instant Insurance Documents
Immediately get your Insurance ID after enrollment.
Immediately get your Insurance ID after enrollment.
Frequently Asked Questions
What is OPT health insurance?
OPT health insurance provides medical coverage for injuries and illnesses for F-1 international students who have graduated and are working in the U.S. under Optional Practical Training (OPT).
Can I get health insurance through my employer while on OPT?
It depends on your employer. Some entry-level jobs may not offer health insurance benefits. ISO offers flexible OPT health plans to ensure you stay protected, regardless of your employment situation.
When should I buy OPT health insurance?
You should enroll before your school-sponsored insurance expires or as soon as you apply for OPT before receiving the EAD card.
What does OPT health insurance cover?
ISO OPT plans cover a wide range of medical needs, including treatment for injuries and illnesses, emergency services, and visits to primary care physicians, urgent care centers, and specialists.
How do I enroll in an OPT health insurance plan?
Enrollment is quick and easy — it takes less than 3 minutes! Simply select your plan, complete your purchase online, and receive your insurance ID instantly.
Does OPT health insurance provide coverage in other states?
Yes! ISO OPT plans offer nationwide coverage, with access to over 1 million doctors, hospitals, and urgent care centers across the U.S.