Health Insurance
Exchange visitors are required to have health insurance for the duration of their stay in the U.S. plus a 30-day grace period. Note: Exchange visitors whose programs extend longer than 12 months are advised to purchase the maximum duration of health insurance available (typically 12 months). Then, at a later date, exchange visitors will need to extend their health insurance to cover the remaining time of their program.

Exchange visitors should complete the IA&A Insurance Form and then pick an insurance plan that meets J-1 requirements (see below). They must then provide the following:

  • Official proof of purchase showing the description of coverage. The format may be in either one of the following two formats:
    • Forward of original confirmation email showing insurance company logo, date of e-mail, and original sender’s email, OR
    • Copy of the registration document showing insurance company logo, contact information, stamp, and signature of sender.
  • Translation – If the proof of purchase is not in English, you must send a translation along with a signed translation certificate.
  • Indication – If you chose to apply to a plan that is not listed on IA&A’s website, you must indicate the text that proves word-for-word that the policy you chose meets the requirements listed on IA&A’s insurance form.
Coverage Requirements
Minimum coverage must provide:

  • Medical benefits of at least $100,000 per accident or illness
  • Repatriation of remains in the amount of $25,000
  • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000
  • A deductible not to exceed $500 per accident or illness

An insurance policy secured to meet the coverage requirements must be underwritten by an insurance corporation with 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. Alternatively, a policy must be backed by the full faith and credit of the government of the exchange visitor’s home country.

Refer to the Department of State J-1 regulations (22 CFR 62.14) for more information on insurance requirements.

Insurance Options
If you are interested in other health insurance options that meet the minimum requirements for J-1 visa holders, please review the following options. These prices will vary depending on age range, choice of the deductible amount, and length of placement.

Note: IA&A does not endorse the products or services of any of the insurers on this page, nor do we require that exchange visitors purchase coverage from any of these insurers. The insurance providers listed below are just a few options that offer coverage plans meeting the minimum requirements for J-1 health insurance as set by the Department of State.

HTH Worldwide

HTH Worldwide has created a policy for IA&A’s participants that meets the minimum requirements from the U.S. Department of State. Email outreach@artsandartists.org for a coverage description. For participants 64 years and younger, the cost is $166.50 per month.

International Student Organization

ISO offers three different coverage plans, each of which meets the minimum requirements for J-1 health insurance.

  • J-1 Exchange Plan (starting at $39 per month)
  • J-1 Exchange Plan Superior (starting at $58 per month)
  • Voyager (starting at $79 per month)

If you have a condition that increases the likelihood that you will make regular visits to the doctor, it may be in your interest to purchase a more expensive plan with a lower deductible to reduce your variable costs.

Seven Corners

Seven Corners offers J-1 health insurance with plans starting at $71 per month. The “Liaison Student” and “Student Express” plans both meet the U.S. Department of State’s minimum requirements.

International Medical Group

The “Patriot Exchange Program” at IMG is designed to meet J-1 visa requirements. Prices will vary depending on age, length of stay, as well as other factors. To get a quote estimate, click here.

Resources for Applicants

Read through the application steps before submitting your online application. Contact IA&A if you have any questions.

Online Application

Eligibility

Application Process

Fees

Health Insurance

DS-2019

After U.S. Arrival

Extensions