The old site had one button. Purchase.

That was more or less it. You couldn't find out what the plan covered, who your primary care provider would be, where the coverage worked and where it didn't, or whether your university would accept it. You could buy, or you could leave.

The person buying is an international student who has just arrived, being asked to spend somewhere between $1,300 and $1,900 on something they're legally required to have. A lot of them have never bought insurance before, in any country.

What insurance websites usually look like

Go and look at a few. Stock photos of people smiling in a way nobody actually smiles. A family on a lawn who look nothing like the person reading the page. Then a wall of dense text about deductibles and coinsurance and out-of-pocket maximums, none of it explained.

It's daunting, and it isn't for you. That's the part that bothered me most. Nothing on those pages is written for a 22-year-old from Hyderabad three weeks into a master's program.

So the language and the visuals both had to say the opposite thing.

Answer the questions before asking for money

Most of the work was just putting information on the page.

Who your primary care provider is. What's actually in the plan. Where the coverage works and where it stops. Who it was built for. What the campus clinic costs, which is $0. When your waiver deadline is, with the actual date on the actual university's page.

The header on the coverage section is "We don't hide the good stuff in footnotes." That's the whole approach in one line.

I also built pages per university. If you're at USC, you get USC's coverage dates, USC's waiver deadline, USC's prices, and a link to USC's official policy so you can check me. There's a comparison table against the university plan too: cost, deductible, whether you're covered outside the state, what claims support is like.

The question they're actually asking

There's a question in the FAQ: "Will this affect my I-20, visa, or enrollment?"

That's the real fear. Not whether it's a good deal. International students are careful to the point of paranoia about anything that touches their status, and opting out of the university's plan feels like exactly the kind of thing that could go wrong later. Nobody asks it out loud because it sounds paranoid.

So we put it on the page and answered it plainly.

Proof instead of claims

Saying "waivers get approved" is worth nothing on an insurance site. Everyone says that.

So the university pages carry screenshots of actual approval emails. Twelve of them on the USC page. It's not elegant, and I like it for that.

The money works the same way. You pay the premium after the waiver is approved, not before. If it's rejected, they help you re-appeal, and if it still fails, you get refunded. That's a business decision more than a design one, but it's the single most reassuring thing on the site, so the flow is built around it.

Support is on WhatsApp

Not a ticket system. Not a form.

For this audience WhatsApp is where they already are, and where their parents are, and it's the difference between asking a question and not bothering.

Four steps

Pick your plan. Start enrollment. We file your waiver. Pay when it's approved.

That's the flow. It took a while to get it down to four, and getting it down to four was most of the job.

No numbers on this one. The site's live if you want to look.