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Types of International Student Health Insurance in the USA

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Millions of international students come to the US annually because it is a land of excellent opportunities. The country offers you a lot, from seeking higher education and hands-on training to pursuing your goals and working in your dream company.

Nevertheless, individuals must purchase a health insurance policy when they come here as international students. They can buy medical insurance from their school/university or a private insurance company. As there are different international students health insurance plans for distinct categories of students, here are a few to be discussed.

J1 visa health insurance

As the name suggests, J1 visa health insurance plans are designed for J1 visa holders in the US. Now, who are J-visa holders? They are scholars or international students in the US for a brief stay to participate in student exchange or study-based programs. J1 visa holders can bring their dependents (spouses and children) on J2 visas.

J1 is a non-immigrant, short-term visa issued for international visitors who come to the US for work, research, receive training, teaching students, and more.  Health insurance for J1 visa holders must meet specific requirements laid down by the US State Department. The insurance must cover a medical benefit of $100,000 per accident or illness, $25,000 for repatriation of remains, $50,000 for medical evacuation, and a $500 deductible per illness or injury.

Plus, the plans underwritten by an insurance company must receive ‘A-’ or above from the A.M Best rating, or ‘A-I’ or above from the Insurance Solvency International Ltd, or ‘A-’ or above from the Standard and Poor’s Claims Paying Ability, or B+ or above from the Weiss Research Inc.  In addition to these requirements, the sponsor might have additional requirements to meet.

Students coming to the US on exchange visas (J1 and J2) can find various plans on our site. NRIOL.net provides affordable and quality J1 visa health insurance policies that meet US State Department requirements and international students’ needs. Contact us and get quotes.

F1 Visa Health Insurance

An F1 visa is meant for full-time academic students who come to the US to receive education from an accredited college, university, language training program, elementary school, and other educational institutions. Students must enroll in a program that culminates in a degree, diploma, or certificate. F1 students may not be allowed to participate in off-campus employment during the first academic session. But after the first year, they can take part in Curriculum Practical Training (CPT), Optional Practical Training (OPT), and STEM (Science, Technology, Engineering, and Mathematics) OPT Extension.

The F1 visa is also a non-immigrant visa and is the most popular one among international students. However, you can only apply for this visa after an accredited US institution accepts your application. The duration of your stay depends on the program you enroll. Your university will provide you with an I-20 form stating the program’s expiration date.

After attaining a degree, you may apply for OPT, allowing you to work in the US for 12 months. Students graduating with a STEM degree can request two additional work years in the US. And if you do not have any extension or other work years after graduation, you will have to return to your home country within 60 days.

Though students can purchase health insurance from their schools and universities, they get the option to buy a plan from insurance companies, for which they need to fill in waiver forms. If you are planning to get coverage from outside, we would be glad to help you out. Check out our F1 visa insurance plans and pick one.

OPT health insurance

In OPT training, students can expand their knowledge, enhance their skills, and receive training in their field of study. The learning experience you receive overseas becomes unbelievably valuable in the future. OPT students need health insurance to work and live abroad because it provides financial security and peace of mind.

You can purchase OPT health insurance from us. The plans can be renewed monthly to get coverage until you receive employer’s insurance plan. Besides covering your eligible medical expenses, the plan can cover you for emergency hospitalizations, personal liability, medical evacuation & repatriation, and some travel-related benefits.

You may not get coverage for maternity, dental and vision care, pre-existing conditions, preventive health care, and more. Hence, it is essential to go through the brochure before choosing a plan. We offer plans with the best A.M Best Ratings. Call us to discuss this in detail.

Conclusion

International students come to the US with lots of ambitions and dreams. Undoubtedly, people get to learn and master different skills and techniques, but one should not forget that the medical costs in the US are expensive. A visit to a doctor can cost your hundreds of dollars. So, without adequate insurance coverage, it becomes difficult for students to continue their education and care for their medical expenses. 

Michelle has been a part of the journey ever since Bigtime Daily started. As a strong learner and passionate writer, she contributes her editing skills for the news agency. She also jots down intellectual pieces from categories such as science and health.

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Lifestyle

The Missing Piece in Self-Help? Why This Book is Changing the Wellness Game

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Self-help shelves are full of advice — some of it helpful, some of it recycled, and most of it focused on “mindset.” But Rebecca Kase, LCSW and founder of the Trauma Therapist Institute, is offering something different: a science-backed, body-first approach that explains why so many people feel struck, overwhelmed, or burned out — and what they can actually do about it.

A seasoned therapist and business leader, Kase has spent nearly two decades teaching others how to navigate life through the lens of the nervous system. Her newest book, “The Polyvagal Solution,” set to release in May 2025, aims to shake up the wellness space by shifting the focus away from willpower and onto biology. If success has felt out of reach — or if healing has always seemed like a vague concept — this book may be the missing link.

A new way to understand stress and healing

At the heart of Kase’s approach is polyvagal theory, a neuroscience-based framework that helps explain how our bodies respond to safety and threat. Developed by Dr. Stephen Porges, polyvagal theory has transformed the way many therapists understand trauma, but Kase is bringing this knowledge to a much wider audience.

“The body always tells the truth,” Kase says. “If you’re anxious, exhausted, or always in overdrive, your nervous system is asking for support, not more discipline.”

“The Polyvagal Solution” makes this complex theory digestible and actionable. Instead of promising quick fixes, Kase offers strategies for regulating the nervous system over time, including breathwork, movement, boundaries, and daily practices that better align with how the human body functions. It’s less about pushing through discomfort and more about learning to tune in to what the body needs.

From clinical expertise to business insight

What sets Kase apart isn’t just her deep understanding of trauma but how she blends that knowledge with real-world experience as a business owner and leader. As the founder of the Trauma Therapist Institute, she scaled her work into a thriving company, all while staying rooted in the values she teaches.

Kase has coached therapists, executives, and entrepreneurs who struggle with burnout, anxiety, or feeling disconnected from their work. Regardless of who she works with, though, her message remains consistent: the problem isn’t always mindset — it’s often regulation.

“Success that drains you isn’t success. It’s survival mode in disguise,” Kase explains. Her coaching programs go beyond traditional leadership training by teaching high achievers how to calm their nervous systems, enabling them to lead from a grounded place, not just grit.

Making the science personal

For all her clinical knowledge, Kase keeps things human. Her work doesn’t sound like a lecture but rather like a conversation with someone who gets it. That’s because she’s been through it herself: the long hours as a therapist, the emotional toll of supporting others, the realities of building a business while managing her own well-being.

That lived experience informs everything she does. Whether she’s speaking on stage, running a retreat, or sharing an anecdote on her podcast, Kase has a way of weaving humor and honesty into even the heaviest topics. Her ability to balance evidence-based practice with practical advice is part of what makes her voice so compelling.

Kase’s previous book, “Polyvagal-Informed EMDR,” earned respect from clinicians across the country. But “The Polyvagal Solution” reaches beyond the therapy community to anyone ready to understand how their body is shaping their behavior and how to create real, sustainable change.

Why this message matters

We’re in a moment where burnout is common and overwhelm feels normal. People are looking for answers, but many of the tools out there don’t address the deeper cause of those feelings.

That’s where Kase’s work lands differently. Instead of telling people to “think positive” or “try harder,” she teaches them how to regulate their own biology. And in doing so, she opens the door for deeper connection, better decision-making, and more energy for the things that matter.

As more workplaces begin to embrace trauma-informed leadership, more individuals are seeking solutions that go beyond talk therapy and motivational content. Kase meets that need with clarity, compassion, and a toolkit rooted in both science and humanity.

A grounded approach to lasting change

What makes “The Polyvagal Solution” stand out is its realism. It doesn’t ask readers to overhaul their lives but instead asks them to listen — to pay attention to how their bodies feel, how their stress patterns manifest, and how even small shifts in awareness can lead to significant results over time. Whether you’re a therapist, a team leader, or someone trying to feel more at ease in your own skin, this book offers a way forward that feels both grounded and achievable.

Rebecca Kase isn’t just adding another title to the self-help genre. She’s redefining it by reminding us that we don’t have to muscle our way through life. We just have to learn how to work with, not against, ourselves.

And maybe that’s the real game-changer we’ve been waiting for.

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