One great plot idea is having your SI OC be a transfer student from a foreign hero school. They bring in new techniques and a different perspective on heroics. Another idea could be that your OC has a quirk that is initially seen as a villain's quirk, and they have to prove that it can be used for good. For example, a quirk that allows them to control minds but they use it only for interrogation purposes in hero work.
One plot idea could be that the OC criminal is secretly working with a high - ranking hero to bring down a powerful villain organization from the inside. Another is that the OC criminal has a personal vendetta against a specific hero and is constantly trying to undermine them. A third idea is that the OC criminal discovers a powerful but dangerous quirk - enhancing drug and is trying to distribute it among the criminal underworld.
One popular plot idea is the self - insert character having a unique quirk that changes the power dynamics in the My Hero Academia world. For example, a time - based quirk that can rewind or fast - forward events, which can be used for both heroic and villainous purposes depending on the character's moral alignment.
An interesting concept would be an OC who has a quirk that is based on art. For example, they can bring paintings to life. This OC could be a part of an art school within the My Hero Academia universe and use their quirk to fight villains who are attacking art galleries or museums. They would also have to train their quirk to be more combat - effective.
One plot idea could be that the Saiyan OC is mistaken for a new type of villain at first. As they try to prove they're not a threat, they start to make friends and learn about heroism. Another idea is that they discover a connection between Saiyan powers and some of the hidden secrets in the MHA world. Maybe there's an ancient power source that only a Saiyan can unlock.
A great plot could involve the ruthless OC being a double agent. They pretend to be a hero but are actually working for a secret villain group. As they interact with the heroes, they start to have doubts about their loyalty to the villains. Maybe they fall in love with a hero, which further complicates things. Another plot is that the OC has a vendetta against a particular hero or villain family. They use their ruthless tactics to systematically take down members of that family one by one. Also, the OC could be part of an experiment that gives them super - ruthlessness, and they have to deal with the consequences of this new - found trait.
One idea could be an OC with a unique quirk that doesn't seem powerful at first but has a hidden potential. For example, an OC who can manipulate shadows in a very limited way, but discovers they can use it to travel between dimensions in the shadows. Another could be an OC who is a foreign exchange student with a quirk that is considered abnormal in the My Hero Academia world, like a quirk that allows them to communicate with plants and use them as allies in battle. Or an OC who has a quirk that lets them see the future but only in their dreams, and they have to figure out how to use this information to help their classmates and heroes.
One plot idea could be your OC starting at a new hero school. They have to deal with fitting in, making friends, and facing rivals. Another is that your OC discovers a new type of quirk that is being hunted by villains. They then have to protect this knowledge while also learning to control their own quirk better. Or, your OC could be wrongly accused of a crime committed by a villain with a similar quirk. They have to clear their name while also dealing with the public's distrust.
Love and romance can be a theme as well. The SI/OC could fall in love with one of the characters from the original series. It could be a slow - burn relationship with lots of obstacles, like differences in their hero goals or social status within the hero community. This adds a whole new layer of drama to the fanfiction.
One idea could be to explore the backstory of a minor character. For example, what was the life of a random student in Class 1 - B like before coming to U.A. High? Another could be a 'what if' scenario, like what if Izuku Midoriya didn't get One For All. Maybe he'd develop his own unique quirk through sheer determination and hard work. Or a fanfic could focus on the villains' side, showing how they came to be and their motives in more depth.
One idea could be that the OC's voice quirk is a secret weapon against a new type of villain who can't be defeated by normal quirks. The OC has to keep their quirk hidden until the right moment. Another plot could involve the OC's voice quirk being stolen by a villain, and they have to find a way to get it back. Maybe the OC uses their voice to communicate with animals in the My Hero Academia world, and this leads to an adventure where they have to stop a group of villains who are using animals for evil purposes.