{"id":18876,"date":"2026-09-21T21:12:22","date_gmt":"2026-09-21T13:12:22","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=18876"},"modified":"2026-09-21T23:42:51","modified_gmt":"2026-09-21T15:42:51","slug":"iso-health-insurance-for-h1b","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/iso-health-insurance-for-h1b.html","title":{"rendered":"ISO Health Insurance for H-1B Visa Holders"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The International Student Organization (ISO) offers its Voyager plan for H-1B visa holders looking for short-term coverage. While the U.S. does not require H-1B visa holders to purchase health insurance by law, its costly healthcare makes health insurance recommended.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you an H-1B visa holder preparing for work in the <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/americas\/usa-health-insurance-pacific-prime\/\"><span style=\"font-weight: 400;\">United States<\/span><\/a><span style=\"font-weight: 400;\">? With affordable coverage for you and your dependents, ISO\u2019s Voyager plan may fit the bill; or, you can check out <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/travel-quote\/\"><span style=\"font-weight: 400;\">travel medical insurance<\/span><\/a><span style=\"font-weight: 400;\">, or <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/\"><span style=\"font-weight: 400;\">short-term insurance<\/span><\/a><span style=\"font-weight: 400;\"> from Pacific Prime\u2019s partners.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keep reading to learn more about <\/span><a href=\"https:\/\/www.isoa.org\/\"><span style=\"font-weight: 400;\">ISO<\/span><\/a><span style=\"font-weight: 400;\">\u2019s Voyager plan and what it covers. Plus, learn more about the benefits of short-term health insurance, travel medical insurance, and international health insurance for workers in the United States on H-1B visas.<\/span><\/p>\n<p><b>Please note that all monetary amounts in this article are valued in United States dollars or USD.<\/b><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><b>Who is International Student Organization<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-31295 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/international-graduates-sharing-an-emotional-farewell-in-singapore.webp\" alt=\"Image of International Graduates Sharing An Emotional Farewell In Singapore with text overlay of &quot;Who is International Student Organization&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/international-graduates-sharing-an-emotional-farewell-in-singapore.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/international-graduates-sharing-an-emotional-farewell-in-singapore-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/international-graduates-sharing-an-emotional-farewell-in-singapore-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/international-graduates-sharing-an-emotional-farewell-in-singapore-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/international-graduates-sharing-an-emotional-farewell-in-singapore-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Since 1958, the <\/span><a href=\"https:\/\/www.isoa.org\/\"><span style=\"font-weight: 400;\">International Student Organization<\/span><\/a><span style=\"font-weight: 400;\"> has provided coverage to more than 3 million international students across over 2,600 schools and universities worldwide, making it one of the largest global student insurance managers.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">ISO offers plans throughout the United States and in more than 200 countries, with access to a network of over one million healthcare providers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a provider specializing in international coverage, ISO\u2019s customer service boasts a multilingual team to facilitate easy claims and simple enrollment in their affordable plans.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking for more information on student-specific health insurance, <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/j1-student-insurance.html\"><span style=\"font-weight: 400;\">check out this Pacific Prime article<\/span><\/a><span style=\"font-weight: 400;\"> that outlines requirements and compares some of the best international student plans available.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>Voyager: ISO Health Insurance for H-1B Visa Holders<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">For those with few health concerns who want to prioritize budget-friendly coverage, consider ISO\u2019s Voyager plan. It\u2019s ideal for workers on H-1B visas who stay in the U.S. for less than 6\u201310 months, since such short-term workers don\u2019t have to purchase <\/span><a href=\"https:\/\/www.healthcare.gov\/glossary\/affordable-care-act\/\"><span style=\"font-weight: 400;\">ACA-<\/span><\/a><span style=\"font-weight: 400;\">compliant comprehensive insurance.\u00a0<\/span><\/p>\n<h3><b>Benefits of Voyager Plan for H-1B Visa Workers<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">While most of the International Student Organization\u2019s plans cater to students, as the name suggests, <\/span><a href=\"https:\/\/www.isoa.org\/voyager\"><span style=\"font-weight: 400;\">ISO\u2019s Voyager plan<\/span><\/a><span style=\"font-weight: 400;\"> is ideal for H-1B visa workers, including their dependents. Some of the benefits of the Voyager plan include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$75,000 USD toward medical evacuation and repatriation of remains<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An unlimited annual maximum<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage for sickness and illness up to the daily limit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Optional coverage for dependents<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The price range for coverage depends on age, with children and individuals ages 7\u201324 costing $79 per month, 25\u201329 costing $92 per month, 30\u201364 costing $119 per month, and dependent children costing $125 per month.<\/span><\/p>\n<h3><b>What the Voyager Plan Covers for H-1B Visa Workers<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Check out the table below to see what the Voyager plan covers, or refer to the <\/span><a href=\"https:\/\/api.isoa.org\/docs\/plans\/2026\/Voyager_2026_A.pdf\"><span style=\"font-weight: 400;\">Voyager plan pamphlet<\/span><\/a><span style=\"font-weight: 400;\"> for even more information:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Annual maximum<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Per injury\/sickness maximum<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$150,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Deductible per event<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$150<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Copay emergency room<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$300<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Coinsurance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">100% up to daily benefit limits<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pre-existing conditions<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered after 18 months<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">A.M. Best rating<\/span><\/td>\n<td><span style=\"font-weight: 400;\">A++<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medical evacuation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$50,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Repatriation of remains<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$25,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Provider network<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Aetna PPO<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>Who is Eligible for ISO Insurance<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">H-1B visa holders, as well as other visa holders who are not U.S. citizens but who have a current passport or visa to the United States and do not reside in their home country, may qualify for this coverage. Dependents with a valid visa who pay the required premium may also qualify.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>Other Insurance Options for H-1B Visa Holders<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Consider short-term, long-term, and travel medical insurance for your H-1B visa coverage. If your employer does not offer health insurance, it\u2019s advisable to purchase coverage, even for a temporary work visa in the United States, as U.S. healthcare is some of the most expensive in the world.\u00a0<\/span><\/p>\n<h3><b>International Short-Term Health Insurance for H-1B Workers<\/b><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/\"><span style=\"font-weight: 400;\">Short-term health insurance<\/span><\/a><span style=\"font-weight: 400;\"> offers affordable, flexible temporary coverage for medical care costs as you wait to receive more comprehensive coverage, whether by purchasing a long-term plan or by returning to your home country where you maintain comprehensive coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many short-term health insurance plans offer coverage for up to a year with renewal options, so for those without many health needs, a budget-friendly short-term plan may be tempting. If you plan to stay abroad longer than a few months or have extra medical concerns, consider more encompassing care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most short-term health insurance covers:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preventative care\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency care\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Urgent care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical tests<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Some plans also offer discounts on prescription medications, but <\/span><b>many short-term insurance plans do not cover pre-existing conditions, mental health services, maternity care, and substance abuse.<\/b><\/p>\n<h3><strong>Suggested Insurers for Short-Term Insurance for H-1B Workers<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">For short-term health insurance, consider Blue Cross Blue Shield Global Solutions or April International. Learn more about each of them below.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-79' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner International - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Recommended International Health Insurance Plans\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h3><strong>Blue Cross Blue Shield Global Solutions for H-1B Visa Workers<\/strong><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/blue-cross-blue-shield-global-solutions\/\"><b>Blue Cross Blue Shield Global Solutions<\/b><\/a><span style=\"font-weight: 400;\"> offers exceptional short-term international plans. We recommend the <\/span><a href=\"https:\/\/bcbsglobalsolutions.com\/individuals-and-families\/\"><span style=\"font-weight: 400;\">Xplorer Premier plan<\/span><\/a><span style=\"font-weight: 400;\"> for comprehensive U.S. coverage for up to nine months, with unlimited annual and lifetime benefits and all costs applying toward your deductible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read more about the Xplorer Premier plan <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/h1b-visa-health-insurance.html\"><span style=\"font-weight: 400;\">in this article<\/span><\/a><span style=\"font-weight: 400;\">, or find more information about Blue Cross Blue Shield Global Solutions\u2019 international <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/blue-cross-blue-shield-global-solutions\/\"><span style=\"font-weight: 400;\">short-term plans<\/span><\/a><span style=\"font-weight: 400;\"> and travel insurance plans on their page. They also offer high-quality long-term international coverage.<\/span><\/p>\n<h3><strong>April International for H-1B Visa Workers<\/strong><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/april-international\/\"><span style=\"font-weight: 400;\">April International<\/span><\/a><span style=\"font-weight: 400;\">\u2019s MyHealth International plan simplifies coverage for H-1B visa holders and their families with their five-tier options. You can select coverage from one to twelve months, with a one-time extension option for up to six months.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The annual benefit limit for each plan is:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency plan: $294,500<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Formule basic plan: $589,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Essential plan: $1,178,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comfort plan: Unlimited<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premium plan: Unlimited\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you would like to purchase travel insurance for your time working in the United States, or if you prefer to bundle travel medical insurance with traditional travel insurance rather than purchase short-term insurance, <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/april-international-travel-insurance-the-best-travel-insurance.html\"><span style=\"font-weight: 400;\">look through April International\u2019s offerings<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>Travel Medical Insurance for H-1B Visa Workers<\/b><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/travel-quote\/\"><span style=\"font-weight: 400;\">International travel medical insurance<\/span><\/a><span style=\"font-weight: 400;\">, sometimes called visitor\u2019s insurance, varies from traditional travel insurance, which covers trip-related issues like lost luggage and emergency medical costs only. What your medical travel insurance covers will vary widely depending on which plan you choose.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019d like to bundle travel insurance with your health insurance, check out <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/the-best-travel-insurance-companies.html\"><span style=\"font-weight: 400;\">this article<\/span><\/a><span style=\"font-weight: 400;\"> or the <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/best-travel-insurance\/\"><span style=\"font-weight: 400;\">best traditional travel insurance options<\/span><\/a><span style=\"font-weight: 400;\"> on our page.<\/span><\/p>\n<h3><strong>Suggested Insurers for Travel Medical Insurance<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">For travel medical insurance, consider VUMI VIP and IMG Global. We\u2019ve highlighted a few of their best offerings below.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><strong>VUMI VIP for H-1B Visa Workers<\/strong><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/vumi-travel-vip-the-best-travel-insurance-plans.html\"><span style=\"font-weight: 400;\">VUMI VIP\u2019s travel insurance<\/span><\/a><span style=\"font-weight: 400;\"> medical coverage includes $5,000,000 in maximum lifetime benefits, 100% hospitalization coverage, and even possible coverage for pre-existing conditions, whether you opt for single-trip coverage or annual coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Single trips may be extended as many times as you choose up to one year, and annual coverage works for multiple trips within 30, 45, or 90 days. VUMI also covers up to $500,000 for pre-existing conditions with verification of six months of stability without symptoms and without medication changes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">VUMI offers not just top-notch travel insurance but also quality international health insurance. If VUMI sounds like the right fit for you, find out more <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">on their page<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><strong>IMG Global for H-1B Visa Workers<\/strong><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\"><span style=\"font-weight: 400;\">IMG Global<\/span><\/a><span style=\"font-weight: 400;\"> offers multiple travel medical insurance plans, whether you pick their GlobeHopper plan or one of their Patriot plans. IMG\u2019s GlobeHopper plan offers maximum coverage for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospital room and board in a semi-private room<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Intensive care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Out-patient medical expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ambulance fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescription medications<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency room accidents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency room illnesses with in-patient admission<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dental care due to an injury<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For a deep dive into the GlobeHopper plan, review this Pacific Prime <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/img-globehopper-the-best-travel-insurance-plans.html\"><span style=\"font-weight: 400;\">article<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>Long-Term Insurance for H-1B Visa Workers<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Long-term health insurance is the golden standard for health coverage, as it offers the most comprehensive care. Within the United States, all long-term plans, sometimes called domestic or private insurance, must cover the following health benefits:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ambulatory services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maternity and newborn care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rehabilitative services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mental health and substance abuse services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wellness and chronic disease management<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescription drugs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pediatric services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Laboratory services<\/span><\/li>\n<\/ul>\n<h3><strong>Suggested Insurers for Long-Term International Insurance<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">For fantastic international long-term insurance, consider Cigna Global and Allianz Care. They each offer fantastic benefits, which we\u2019ve touched on below.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><strong>Cignal Global for H-1B Visa Workers<\/strong><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna Global<\/span><\/a><span style=\"font-weight: 400;\"> offers international coverage through their extensive network across their four excellent health insurance plans: their <\/span><b>Cigna Global Health plan<\/b><span style=\"font-weight: 400;\">, with Silver, Gold, and Platinum tiered packages, and their <\/span><b>Close Care plan<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Review the table below to see the benefits of the Global Health plans:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Coverage Benefits<\/b><\/td>\n<td><b>Silver<\/b><\/td>\n<td><b>Gold<\/b><\/td>\n<td><b>Platinum<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Annual Limit Amount<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Coverage Area<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Worldwide<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Worldwide<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Worldwide<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Inpatient and Outpatient Treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full for a private room<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full for a private room<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full for a private room<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hospital Accommodation for Parent or Guardian<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pandemics, Epidemics, and Outbreaks of Infectious Diseases<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Inpatient Cash Benefit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$100<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$100<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$100<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Accident and ER Treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,200<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Transplant Services<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Advanced Medical Imaging<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rehabilitation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Home Nursing<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Acupuncture and Chinese Medicine<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Palliative Care<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$35,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$60,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">For cost-effective health insurance, the Close Care package offers an annual coverage limit of $500,000, which you may use in the U.S. or your country of nationality. It covers:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0In-patient care in full for a semi-private room<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0Out-patient care in full for a semi-private room<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0Accommodation costs in full for a semi-private room<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancer care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$3,000 for mental and behavioral health care\u00a0<\/span><\/li>\n<\/ul>\n<h3><strong>Allianz Care for H-1B Visa Workers<\/strong><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz Care<\/span><\/a><span style=\"font-weight: 400;\"> offers three different long-term international plans\u2014their <\/span><b>Care Base plan<\/b><span style=\"font-weight: 400;\">, <\/span><b>Care Enhanced plan<\/b><span style=\"font-weight: 400;\">, and<\/span><b> Care Signature plan<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Allianz Care Base plan covers a maximum of $2,500,000, which includes coverage for private inpatient and day-patient hospital rooms as well as oncology, rehabilitation, medical evacuation, home care, and emergency outpatient treatment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Allianz\u2019s Care Enhanced plan offers a maximum coverage of $4,000,000, with the same coverage as the Care Base plan but with the addition of emergency dental care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Allianz\u2019s Care Signature plan covers the highest maximum amount at $5,000,000. It covers the same benefits as the Care Enhanced plan but also includes preventative surgery and laser eye treatment.<\/span><\/p>\n<h2><b>Frequently Asked Questions\u00a0<\/b><\/h2>\n<h3><b>Who is ISO insurance?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">ISO Insurance, or ISO Student Health Insurance,\u00a0 has been the world\u2019s largest provider of insurance for international students in the U.S. since 1958. They offer affordable health plans for F1, J1, H-1B, and OPT visa holders in the U.S.<\/span><\/p>\n<h3><b>How can I make a claim with ISO insurance?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">To file an insurance claim with ISO, first provide your insurance ID to your doctor and request that they file the claim. If your doctor does not file claims, gather the required documents and fill out the claim form on the <\/span><a href=\"https:\/\/isoa.org\/ClaimsProcess\"><span style=\"font-weight: 400;\">ISO Claims Process<\/span><\/a><span style=\"font-weight: 400;\"> website within 90 days of care.\u00a0<\/span><\/p>\n<h3><b>Is it possible to have no health insurance while on an H-1B visa?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">It is possible to go without health insurance while working on an H-1B visa, but it is highly discouraged, as healthcare in the United States is very expensive. Paying for medical care without insurance is extremely costly.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><b>Choose the Right Protection for Your Time in the U.S.<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Choosing the right health insurance is an important step when working in the United States on an H-1B visa. Whether you select an ISO plan or another option, it\u2019s important to review your coverage carefully to ensure it meets your healthcare needs and visa requirements.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At Pacific Prime, our insurance specialists can help you compare plans and find coverage that fits your situation, all at no extra cost. <\/span><a href=\"http:\/\/pacificprime.com\/contact-us\"><span style=\"font-weight: 400;\">Contact us<\/span><\/a><span style=\"font-weight: 400;\"> for personalized advice, request a free quote, or explore and <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">compare available plans<\/span><\/a><span style=\"font-weight: 400;\"> today.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The International Student Organization (ISO) offers its Voyager plan for H-1B visa holders looking for short-term coverage. While the U.S. does not require H-1B visa holders to purchase health insurance by law, its costly healthcare makes health insurance recommended.\u00a0 Are you an H-1B visa holder preparing for work in the United States? With affordable coverage &#8230;<\/p>\n","protected":false},"author":54,"featured_media":31294,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[570,217],"tags":[],"class_list":["post-18876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ISO Health Insurance for H-1B Visa Holders<\/title>\n<meta name=\"description\" content=\"Learn about the Voyager ISO plan as well as other insurance options for H-1B visa holders and their dependents.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/iso-health-insurance-for-h1b.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ISO Health Insurance for H-1B Visa Holders\" \/>\n<meta property=\"og:description\" content=\"Learn about the Voyager ISO plan as well as other insurance options for H-1B visa holders and their dependents.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.com\/blog\/iso-health-insurance-for-h1b.html\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime&#039;s Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pacificprime\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-21T13:12:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-21T15:42:51+00:00\" \/>\n<meta property=\"og:image\" 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Prime\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/PP_logo-nonSlogan_blue-nonOutline.png\",\"contentUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/PP_logo-nonSlogan_blue-nonOutline.png\",\"width\":3314,\"height\":999,\"caption\":\"Pacific Prime\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/pacificprime\",\"https:\\\/\\\/x.com\\\/ThePacificPrime\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/pacific-prime\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/person\\\/28ca51ef3d01177132923253f8b13623\",\"name\":\"Serena Fung\",\"description\":\"Serena Fung is 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