Which one to choose?

Hello everyone,

I’m an international student, currently 24 years old and turning 25 next April. I’m considering replacing the expensive UCSHIP insurance plan with ISO Care. Since I rarely get sick, I’m curious to know which plan would be the best option for me.

Here are the plans:

ISO Care Elite https://api.isoa.org/docs/plans//2025/ISO_Care_Elite_UCA_2024_2025_A.pdf $162 per month, but will be $310 per month once I turn 25. Annual maximum – Unlimited Annual deductible in-network$40 Coinsurance in-network 90% Maximum out-of-pocket – $6,350 Copay Student Health Center – $0 Pre-existing conditions – Covered Preventive care – 100% in-network Medical evacuation – $100,000 Repatriation of remains – $50,000 Provider network – Aetna PPO ISO Care – normal
https://api.isoa.org/docs/plans//2025/ISO_Care_UCA_2024_2025_A.pdf $118 per month, but will be $174 per mo once I turn 25. Annual maximum – Unlimited Annual deductible $500 Coinsurance in-network 80% Maximum out-of-pocket – $6,350 Copay Student Health Center – $0 Pre-existing conditions – Covered Preventive care – 100% in-network Medical evacuation – $100,000 Repatriation of remains – $50,000 Provider network – Aetna PPO

Thank you 🙂

submitted by /u/BeneficialSpeech7845
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