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The U.S. government requires that all J-1 exchange visitors and their dependents are enrolled in a health insurance plan that meets specific requirements.

Exchange visitors must have health insurance coverage from “Program Begin Date,” to “Program End Date,” as listed on your DS-2019. We highly recommend that all exchange visitors have health insurance that provides coverage from the date of entry into the United States through the date of exit.

  • medical benefits of at least $100,000 per accident or illness;
  • repatriation of remains in the amount of $25,000;
  • expenses associated with medical evacuation of the exchange visitor to his or her home country in the amount of $50,000; and
  • a deductible not to exceed $500 per accident or illness.

Below are several reputable health insurance providers who are familiar with the J-1 Health Insurance requirements:

  • May include a waiting period for pre-existing conditions that is reasonable as determined by current industry standards;
  • May include provisions for co-insurance under the terms of which the exchange visitor may be required to pay up to 25% of the covered benefits per accident or illness; and
  • Must not unreasonably exclude coverage for perils inherent to the activities of the exchange program in which the exchange visitor participates.
  • A policy, plan, or contract secured to fill the above requirements must, at a minimum, be:
    • Underwritten by an insurance corporation having an A.M. Best rating of “A¥” or above; a McGraw Hill Financial/Standard & Poor’s Claims-paying Ability rating of “A¥” or above; a Weiss Research, Inc. rating of “B+” or above; a Fitch Ratings, Inc. rating of “A¥” or above; a Moody’s Investor Services rating of “A3” or above; or such other rating as the Department of State may from time to time specify; or
    • Backed by the full faith and credit of the government of the exchange visitor’s home country; or
    • Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; or
    • Offered through or underwritten by a federally qualified Health Maintenance Organization or eligible Competitive Medical Plan as determined by the Centers for Medicare and Medicaid Services of the U.S. Department of Health and Human Services.
Contact Information

International Students & Scholars Office

Office Location
Office Hours
  • 8:30 a.m. to 5 p.m., Monday - Friday