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Can You Get Health Insurance on an F1 Visa? Answers to FAQs

If you have an F1 visa, you’re probably already navigating a complex mix of classes, grades and campus maps in your new environment.  

Life as a student can be overwhelming—but finding health insurance doesn’t have to be! You might qualify for a quality, affordable health insurance plan through BeWell, New Mexico’s Health Insurance Marketplace.  

Let’s dive into what you need to know.  

Who Qualifies for Health Insurance Through BeWell?

To qualify for insurance through BeWell, you must:  

  • Be a New Mexico resident. 
  • Have no access to employer-sponsored coverage, Medicaid or Medicare. 
  • Be lawful present, which means you have a valid Social Security number, F1 Visa or other immigration documentation.  

When Can You Apply for a Plan Through BeWell?

Every year, New Mexico residents can apply for a health insurance plan through BeWell during Open Enrollment, which is from November 1 to January 15. But don’t worry! If you are looking for insurance another time of the year, you may qualify for a Special Enrollment Period (SEP) 

You may qualify for an SEP if you: 

  • Gain U.S. citizenship. 
  • Have income changes. You can enroll any time if you have income less than twice the federal poverty level and you are not eligible for Medicaid.  
  • Go through a major life event, such as having a baby or getting married.  
  • Lose COBRA coverage, Medicaid coverage or health insurance from a job 

What Will My Insurance Cost?

Plans offered through BeWell have a range of cost and coverage. Plans are sorted into three tiers of bronze, silver and gold 

  • Bronze tier plans are the most affordable and cover less of the cost of care.  
  • Gold tier plans cost more and cover more. 
  • Silver tier plans are in the middle for price and coverage.  

The good news is that all plans available through BeWell cover 10 essential health benefits, including emergency services, preventive care and laboratory services. You can also potentially lower your monthly premium with advanced tax credits 

Where Can I Get Care?

Where you can get care depends on the insurance plan you select. Contact your school’s student health services to find out which health insurance plans they accept.

Can Someone Help Me Through the Process?

We’re glad you asked! BeWell is here 365 days a year to guide you through the insurance process. We speak multiple languages, including English, Spanish, Chinese and Vietnamese. Schedule a call, chat with us or call 833-ToBeWell (833-862-3935) to get personalized help from a Certified Assister today.

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Where Do I Start?

Browse and Compare
Insurance Plans

Before you apply for coverage, you can see the health and/or dental insurance plans available and the estimated cost you will pay plus any subsidies you may qualify for to reduce the cost.

Schedule an Appointment

with a Certified Assister
or Enrollment Counselor

Certified assisters and enrollment counselors can help you understand your options and enroll in a health insurance plan. Their help is free!

Submit
Your Application

When you’re ready to enroll, you can apply online in about an hour. You can also save your application and come back to it, so you can go at your own pace. Create your BeWell log in to get started.

Get Help Now

BeWell is here to answer your questions. Feel free to call, email or chat with us whenever your ready.