$75/mo
Student Plans Starts At
F-1 Visa
Student Health Plans That Actually Make Sense
Affordable, ACA-compliant coverage for college and university students — with nationwide PPO access and simple enrollment.
Market Leaders
Why Students Choose Five Points
Most student health plans are overpriced, hard to use, and built around the school's needs not yours. Our plans gives you ACA-compliant, a nationwide provider network, and a team that actually picks up the phone.
Compare Five Points
Student Plans vs. Your Other Options
Which coverage is right for where you are right now?
Basic Plan
Straightforward coverage for students who need reliable access to care without overpaying.
Type: Allegra Student Plan / ACA-CompliantStarting at $75/month
Plus Plan
More comprehensive coverage for students who want stronger benefits and broader access.
Type: Allegra Student Plan / ACA-CompliantStarting at $125/month
School-Sponsored Plans
Many university plans are priced higher with limited network access — often restricted to on-campus or local providers only.
Flexibility: LowNetwork: Campus/Regional Only
Going Uninsured
One urgent care visit or ER trip can cost thousands out of pocket. Coverage at $75/month is the more predictable choice.
Risk: HighNetwork: None
Choosing a Student Health Plan
What Actually Matters When Picking a Student Health Plan?
The cheapest plan isn't always the right plan. And the school-sponsored option isn't always the best one. Here's what to look at before you enroll:
Network coverage where you actually are: A plan that only works near campus leaves you exposed everywhere else. Make sure your coverage travels with you — across all 50 states.
Transparent pricing before you commit: You should know exactly what you'd pay for a doctor visit, urgent care, or a prescription before you ever need one. Ask for the Schedule of Benefits upfront.
Prescription access: Co-pays and drug costs add up fast. Look for a plan backed by a pharmacy network — not just a list of covered medications with no pricing clarity.
Someone to call when something goes wrong: A plan is only as good as the support behind it. Ask how long it takes to get a real answer when you have a billing issue or a claim question.
ACA compliance: Non-compliant plans can leave gaps in coverage that only show up when it's too late. Make sure your plan meets federal minimum essential coverage standards.
Transparent Pricing
Student Health Plan Pricing
Transparent Pricing
Two plans. Clear costs. No hidden fees.
You'll know exactly what's covered and what you'd pay in-network before you enroll.
Basic
Reliable coverage for students who need straightforward, nationwide access to care.
$75/month
What's included:
- ACA-compliant coverage
- First Health Network access — 1M+ providers
- OptumRX prescription benefits
- Coverage in all 50 states
- 24-hour member resolution promise
- Full Schedule of Benefits provided
Plus
More comprehensive benefits for students who want stronger coverage.
$125/month
What's included:
- 75/25 Plan
- ACA-compliant coverage
- First Health Network access — 1M+ providers
- OptumRX prescription benefits
- Coverage in all 50 states
- 24-hour member resolution promise
- Full Schedule of Benefits provided
Flat-fee pricing with no surprise fees
Credit cards & bank transfer are accepted
Flexible payment plans available for every tier
Enrollment
A Clear, Simple Process
From Day One
We know students don't have time for complicated paperwork. That's why enrollment is structured, transparent, and easy to complete — with real support if you need it.
Plan Selection & Review
Choose between the Basic Plan ($75/month) or Plus Plan ($125/month).
Clear coverage. No guesswork.
Online Enrollment
Complete the online enrollment form with your personal and school details.
Secure payment processing. PCI compliant.
Once submitted, your coverage is processed quickly and efficiently.
Confirmation & Documents
You'll receive confirmation of enrollment and your coverage documentation.
Keep these records for school compliance, if required.
Use Your Coverage
Access 1M+ providers nationwide through the First Health Network (PPO). Fill prescriptions through OptumRX.
You focus on school. We help handle the healthcare side.
Don't Trust Us. Trust Our Results.
What Students Actually Pay
See What Your Plan Saves You.
Without coverage, you pay whatever the provider bills. As a Five Points member, you pay the negotiated rate, which is a fraction of that. These are real numbers from real services.
Up to 93% In-Network Savings
93%Standard provider billing rates
60%Built for Every Kind of Students
From Our Clients
I CAN FOCUS ON MY EDUCATION WITH CONFIDENCE
Thanks to Five Points Health Benefit Plans, I can focus on my education with the confidence that my healthcare needs are taken care of. I wholeheartedly recommend their services to any student looking for affordable and reliable health coverage.
Olivia Camacho
NAVIGATE THE INTRICACIES OF MY COVERAGE.
The support and guidance provided by Five Points Health Benefit Plans have been invaluable. Their customer service team is always available to answer my questions and help me navigate the intricacies of my coverage.
Priscilla Barocio
THEIR EMPHASIS ON PREVENTIVE CARE HAS BEEN INVALUABLE
One aspect that sets Five Points Health Benefits apart is their emphasis on preventive care. Through their wellness programs and regular check-ups, I've been able to stay ahead of any health issues, allowing me to focus on my studies and personal growth without worry.
Veronica Lopez
Let's get you covered
Your Coverage Starts Here.
Review your options, understand your costs, and enroll in a plan that's built to last — ACA-compliant, backed by 1 million+ providers, and administered by a team that picks up the phone.
TEXAS TPA LICENSE #2989341CALIFORNIA TPA LICENSE #OM72911ARIZONA TPA LICENSE #505361367
MISSISSIPPI TPA LICENSE #15039939NEW MEXICO TPA LICENSE #3000634697