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Trusted Health Insurance for International Students Studying in the U.S.

For over 65 years, F1 international students, F1 OPT, J1 scholars, and visitors have trusted ISO for affordable, waiver-approved health insurance. Our custom plans are designed to meet your university’s requirements—and can save you thousands each semester.

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How ISO Supports International Students

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U.S. Healthcare is Expensive
Save on high medical bills by enrolling in affordable health insurance
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Guaranteed Waiver 

We’re confident in our plans! If your waiver isn’t approved, you’ll get a full refund.

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Easy to Use 

Access 1M+ doctors with direct billing. No need to file a claim, just provide your ID card.

Trusted by Over 1M International Students 

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See What Our Customers Are Saying 

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!

- Jayadeep Reddy

 

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!

- Rodrigo Mendes

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!

- Chantal Colombo

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. 

- Povheng Yam

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!

- Chidimma

ISO vs Your School Plan

Feature / Benefit School-Sponsored Plan ISO Student Health Insurance
Comprehensive coverage Green-check Green-check
Multiple Plan Options red-x Green-check
Instant Insurance Documents yellow-sometimes
Sometimes		 Green-check
Pre-existing Conditions Green-check 
Covered Immediately		 yellow-sometimes
After waiting period
Telehealth Services Green-check Green-check
Emergency Evacuation & Repatriation Green-check Green-check
Student Health Center Access Green-check Green-check
Flexible Start Date/Plan Length red-x Green-check
Coverage for OPT Students red-x Green-check
Nationwide Coverage yellow-sometimes
May only cover in-state 		 Green-check
Multilingual Customer Support red-x Green-check
Multiple Payment Options red-x Green-check
AVERAGE ANNUAL PRICE $3,000 $500

Save over $2,500/year with ISO!

Waive and Save Today

Why International Students Choose ISO

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Instant Waiver
Get all required documents immediately after purchase—your waiver approval is guaranteed.

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Nationwide Coverage
Access care anywhere in the U.S. through a trusted network of over one million healthcare providers.

Affordable

Affordable Plans
Save thousands on health insurance. ISO plans start at just $31/month.

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Best Customer Care
Multilingual customer service rated "Excellent" for fast, friendly and reliable assistance.

Frequently Asked Questions

Why do international students need health insurance?

The U.S. healthcare system is known for being expensive and complex. Even a routine doctor’s visit can cost hundreds of dollars without insurance. Most schools require international students to have health insurance—not only to help you meet visa and enrollment requirements, but also to protect you from overwhelming medical bills in case of illness or injury.

ISO offers health insurance that is guaranteed to meet your school's health insurance requirements.

 

What do ISO plans cover?

ISO health insurance plans cover expenses related to injuries and illnesses. This typically includes doctor visits, urgent care, emergency room treatment, prescriptions, and other medically necessary services. Coverage details can vary by plan, so be sure to review the plan brochure before purchasing to understand the full list of benefits and exclusions.

If you have any questions, feel free to reach out to customercare@isoa.org 

Will I get a refund if my ISO plan is not accepted by my school?

Yes, if your school rejects your ISO plan because it doesn't meet their insurance requirements, you are eligible for a full refund. Please contact ISO’s customer care team and provide proof of the denial within 31 days of your plan’s start date.

 

How do I enroll with ISO?

You can enroll directly through the ISO website in just a few minutes. Once you complete your enrollment, your insurance documents and a completed waiver form will be emailed to you immediately. 

Is ISO accepted at my school?

ISO plans are accepted at over 3,200 schools across the U.S., including institutions like NYU, UPenn, USF, University of CA System schools, and many more. To see available plans and confirm acceptance at your school, visit our website and search by your school’s name.

 

What’s the difference between ISO and my school’s insurance?

ISO offers alternative health insurance plans designed specifically for international students—often at a much more affordable price than school-sponsored plans. Many students choose ISO and save on average over $2,500 annually while still getting quality coverage for doctor visits, emergencies, prescriptions, and more.

ISO offers tailored health insurance plans for all visa types including 

J2, F2, H1B, B1 and more!

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