OPT and CPT Insurance: Staying Covered After Graduation

Transitioning from F1 student status to Optional Practical Training (OPT) or Curricular Practical Training (CPT) means losing access to your university's Student Health Insurance Plan (SHIP). Without immediate action, you could be uninsured during your most career-critical period.

Why University Insurance Stops

SHIP eligibility is tied to active enrollment. The day you complete your degree (or finish CPT-eligible coursework), your SHIP coverage typically ends — even though your visa status continues for the OPT period.

Three Insurance Options During OPT/CPT

• Continue with a private international student/graduate plan
• Enroll in employer-sponsored insurance if your OPT employer offers it
• Purchase ACA marketplace insurance (most OPT holders are eligible)

Private OPT/CPT Plans

Many international student plans extend automatically through OPT — verify with your insurer. Specialized OPT plans (Patriot OPT, Atlas OPT) provide 12 months of coverage matching your work authorization period.

Employer Insurance Considerations

If your OPT employer offers group health insurance, this is typically the highest-quality option — comprehensive coverage, often with employer subsidies. Verify the start date doesn't leave you with a gap from your SHIP end date.

Cost Expectations

OPT plans typically run $90-$200 per month depending on coverage level. Employer plans vary widely but $300-$500/month before employer contribution is standard for OPT-eligible roles.

Bottom Line

Plan your insurance transition before graduation. Ombrela offers OPT-specific plans with seamless transition from student coverage.