University of California - Berkeley

International Student Health Insurance

  • Five Points 900 and 500 plans are based in USA plan.
  • Although 900 has low coinsurance and high deductible, it charges very competitive rates. If you are in good health, it could be a good option.
  • 500 plan has moderate deductible and coinsurance with reasonable premium but it has high Out-of Pocket Maximum than most of school insurances.
  • The Network provider, First Health a slightly smaller service network(80-90%) than the school insurance provider, so please search Urgent Care or Hospital near your house or dorm before enrollment.
  • Pharmacy is serviced by OPTum Rx and Telehealth is serviced by Teladoc Health.

    • 2026-01-01 ~ 2026-07-31

    School Plan Five Points 900 Five Points 500
    Plan Type ACA Comliant ACA Comliant ACA Comliant
    Maximum Unlimited Unlimited Unlimited
    Co-insurance (Network) 90% 70% 80%
    Co-insurance (Out-of Network) 50% 50% 50%
    Deductible in Student Health Center $0 $0 $0
    Deductible in Network $300 $900 $500
    Copay in SHC $0 $0 $0
    Prescription Drug Direc-billing Direct-billing at OPTum Direct-billing at OPTum
    Preventive care (Network/SHC) 100% 100%(inNetwork) 100%(inNetwork)
    Out of Pocket Max (Network) $3,200 $8,500 $8,000
    Medical Network Cigna First Health First Health
    Spring/Summer (17-24 years old) $2,429 $610 $784
    Spring/Summer (25-29 years old) $3,924 $900 $1,075
    Spring/Summer (30-45 years old) $3,924 $2,033 $2,352
    Detail Detail Detail
    Individual Buy Buy
    Group  (10% saving for 3 or more students)
    ACA Compliant Plan: 10%     		Group Group