WHO WE INSURE

Health Coverage for
Students & Young Adults

Whether you're heading to college, just graduated, or starting your first career — we help you find affordable coverage that fits your dynamic life. Many independent students qualify for $0 premium plans.

Find Student Coverage

3 Paths to Student Health Coverage

We help you compare your three main options to find the perfect balance of coverage and affordability.

Parent's Plan

You can remain on your parents' health insurance until age 26. However, exploring your own subsidized plan might actually uncover better local coverage and lower costs.

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Most Common

ACA Marketplace

Independent plans offer subsidies based on YOUR income, not your parents'. If you file your own taxes, you could qualify for premium coverage at $0 per month.

Check Subsidies

School Plan (SHIP)

Many universities offer Student Health Insurance Plans with access to campus clinics. Often required unless you can show other qualifying private coverage.

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Student Health Insurance Options

From short-term gap coverage to comprehensive marketplace plans, here are your best choices as a student or young adult.

Best Value

ACA Marketplace Plans

Comprehensive coverage with subsidies based on YOUR income, not your parents'. Many independent students qualify for $0 premium plans when filing taxes separately.

  • Subsidies based on YOUR income (not parents')
  • All essential health benefits covered
  • $0 preventive care and checkups
  • Nationwide networks for travel
  • Open enrollment Nov 1 – Jan 15
Check Subsidies
Campus-Based

School Health Plans (SHIP)

Coverage offered directly through your college or university — often required for enrollment unless you can show other qualifying private coverage.

  • Immediate access to campus health center
  • Designed specifically for student needs
  • Includes robust mental health services
  • Cost added to tuition/fees
  • May have limited off-campus network
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Gap Coverage

Short-Term Insurance

Temporary coverage for gaps between plans — perfect after graduation while waiting for employer benefits or the next open enrollment period.

  • Coverage from 30 days to 12 months
  • Enroll anytime — no open enrollment
  • Significantly lower monthly premiums
  • Great safety net for healthy adults
  • Customizable deductibles
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Free Coverage

Medicaid for Students

Low-income students may qualify for completely free health coverage — even if your parents earn more. Eligibility is based solely on your own income.

  • $0 premiums and minimal copays
  • Eligibility based on YOUR income alone
  • Apply anytime — no enrollment period
  • Income limit ~$20,000/yr (single)
  • Available in 40+ states
Check Medicaid Eligibility

Health Insurance for International Students

Studying in the U.S. on an F1, J1, or M1 visa? You need compliant health insurance that meets your school's requirements and protects you from the high cost of American healthcare.

University Approved

Visa-Compliant Plans

Plans specifically designed for F1, J1, M1, OPT/CPT, and dependent visa holders — guaranteed to meet university waiver requirements.

  • Meets DSO and school waiver standards
  • Covers doctor visits, ER, and hospital stays
  • Mental health and telehealth included
  • Prescription drug coverage
  • Bilingual customer support available
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Essential Protection

Emergency Evacuation

Critical coverage for international students far from home — including emergency medical evacuation and repatriation of remains.

  • Emergency medical evacuation covered
  • Repatriation of remains included
  • 24/7 worldwide assistance hotline
  • Trip interruption benefits
  • No extra premium required
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Budget Friendly

Affordable Rates

Often significantly more affordable than school-sponsored SHIP plans while providing equivalent or better coverage and broader network access.

  • Lower premiums than most SHIPs
  • Flexible plan durations (monthly/annual)
  • Covers the full academic year
  • Easy online enrollment in minutes
  • Compare multiple carriers side by side
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Visa Types We Cover

Whether you're here to study, conduct research, or train professionally, we have a compliant plan that fits your visa category.

F-1

Full-Time Student

Academic studies at accredited U.S. universities and colleges.

J-1

Exchange Visitor

Researchers, professors, au pairs, and exchange program participants.

M-1

Vocational Student

Vocational and non-academic programs at U.S. institutions.

OPT/CPT

Practical Training

F-1 graduates working under Optional or Curricular Practical Training authorization.

F-2 / J-2

Dependents

Spouses and children of F-1 and J-1 visa holders living in the U.S.

H-1B

Specialty Occupation

Professionals in specialty roles transitioning from student to work visa status.

Don't see your visa type? Contact us — we cover many more visa categories.

Don't Let Healthcare Hold You Back

Find the right coverage for your student life in just 2 minutes. Our advisors guide you at no cost.


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