How to
Choose a Health Insurance Plan

Choosing health insurance in the U.S. can feel overwhelming for international students and exchange visitors. Between plan benefits and school requirements, it’s hard to know where to start.

We’ve made it simple.

Follow the steps below to find the plan that works best for you or reach out to the ISO team anytime for personalized help.

1

Check Your School Requirements

Most U.S. schools and exchange programs require students to have health insurance and may allow you to waive the school plan if your coverage meets their criteria.
  • ISO plans are designed to meet most U.S. school waiver requirements
  • Get comparable coverage with ISO at a more affordable price
Find plans for your school
Check Your School Requirements
Check Your School Requirements
Most U.S. schools and exchange programs require students to have health insurance and may allow you to waive the school plan if your coverage meets their criteria.
  • ISO plans are designed to meet most U.S. school waiver requirements
  • Get comparable coverage with ISO at a more affordable price
Find plans for your school
2

Understand Key Insurance Terms

You don’t need to be an insurance expert, and these are the key terms most students need to know:
  • Maximum coverage – The maximum amount the plan will pay
  • Deductible – What you pay before insurance starts covering costs
  • Copayment – A flat fee you pay for doctor visits
  • Coinsurance – The percentage of medical costs split between you and insurance company
View full insurance dictionary
Understand Key Insurance Terms
Understand Key Insurance Terms
You don’t need to be an insurance expert, and these are the key terms most students need to know:
  • Maximum coverage – The maximum amount the plan will pay
  • Deductible – What you pay before insurance starts covering costs
  • Copayment – A flat fee you pay for doctor visits
  • Coinsurance – The percentage of medical costs split between you and insurance company
View full insurance dictionary
3

Choose Based on Your Budget

Your total cost isn’t just the monthly premium, and it’s also how much you pay when you need medical services.


Lower-cost plans typically offer more basic coverage, while higher-cost plans provide broader benefits.


Considering the high cost of healthcare in the U.S., most international students choose a plan that balances affordability with protection against high medical bills.

Compare plans now
Choose Based on Your Budget
Choose Based on Your Budget

Your total cost isn’t just the monthly premium, and it’s also how much you pay when you need medical services.


Lower-cost plans typically offer more basic coverage, while higher-cost plans provide broader benefits.


Considering the high cost of healthcare in the U.S., most international students choose a plan that balances affordability with protection against high medical bills.

Compare plans now
4

Easy Access to Care

Finding doctors and hospitals quickly is important wherever you are.


ISO plans use the Aetna PPO network, making it easy to locate doctors and hospitals in the U.S.


With direct billing and nationwide coverage, you can feel confident wherever your U.S. journey takes you.

Find a nearby doctor
Easy Access to Care
Easy Access to Care

Finding doctors and hospitals quickly is important wherever you are.


ISO plans use the Aetna PPO network, making it easy to locate doctors and hospitals in the U.S.


With direct billing and nationwide coverage, you can feel confident wherever your U.S. journey takes you.

Find a nearby doctor

What You Get with ISO

Trusted by millions of international students since 1958, ISO is here to help you choose with confidence.

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Comprehensive coverage

Affordable plans designed to meet University requirements.

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Nationwide Aetna PPO coverage

Access to over 1 million doctors and hospitals in all 50 states.

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Instant insurance documents

Get your insurance documents and waiver form immediately after enrollment.

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Multilingual customer service

Reach us by phone, email, WhatsApp or WeChat. Our team is ready to assist.

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U.S. claims processing

Claims are processed and paid directly to your doctor’s office.

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24/7 online claim status

Check claim status anytime through your ISO account, at your convenience.

Affordable plans designed to meet University requirements.

Access to over 1 million doctors and hospitals in all 50 states.

Get your insurance documents and waiver form immediately after enrollment.

Reach us by phone, email, WhatsApp or WeChat. Our team is ready to assist.

Claims are processed and paid directly to your doctor’s office.

Check claim status anytime through your ISO account, at your convenience.

Still not sure?

Our team is here to help you.

Contact us now
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