The J-1 exchange visitor visa program is one of the most popular non-immigrant visa categories in the United States — used by students, researchers, professors, au pairs, and work-travel participants. Unlike some other visa types, J-1 holders have mandatory insurance requirements set by the US Department of State. Here's everything you need to know.
Quick Answer
J-1 visa holders must maintain insurance with: at least $100,000 per accident or illness, $50,000 for medical evacuation, $25,000 for repatriation of remains, and a deductible no higher than $500. This is a US Department of State legal requirement — non-compliance can result in termination of J-1 status.
📋 J-1 Insurance Minimum Requirements (22 CFR Part 62)
- ✓Medical benefits: At least $100,000 per accident or illness
- ✓Medical evacuation: At least $50,000
- ✓Repatriation of remains: At least $25,000
- ✓Deductible: No more than $500 per accident or illness
- ✓A.M. Best rating: Insurer must be rated A- or higher (or equivalent)
Who Needs J-1 Insurance?
All holders of a J-1 exchange visitor visa must maintain qualifying insurance for the duration of their program. This includes:
- University and college exchange students
- Research scholars and professors
- Au pairs and child care exchange visitors
- Camp counselors
- Summer Work Travel participants
- Trainees and interns
- Physicians participating in exchange programs
J-2 dependents (spouses and minor children of J-1 holders) are also strongly recommended to maintain the same level of coverage, and many exchange programs require it.
Does My J-1 Sponsor Provide Insurance?
Some sponsoring organizations provide insurance as part of their program. However, many do not — and even when they do, you should verify the plan meets all State Department requirements before relying on it.
Common situations where J-1 holders need to purchase their own insurance:
- Your sponsor offers a group plan, but it doesn't meet the $100,000 medical minimum
- Your program doesn't include dependent (J-2) coverage
- You're between programs or your sponsorship has a gap period
- Your sponsor requires you to arrange your own coverage
What Happens If You Don't Have Compliant Insurance?
Failing to maintain J-1 compliant insurance can have serious consequences:
- Program termination: Your sponsoring organization can terminate your exchange program
- SEVIS record issues: Non-compliance can affect your SEVIS record
- Visa revocation: In severe cases, non-compliance can lead to visa problems
- Financial exposure: Medical bills in the USA can reach six figures without insurance
How to Get J-1 Compliant Insurance
Tower Hill's quote tool lets you compare plans specifically designed to meet J-1 requirements. Look for plans that explicitly state J-1 compliance and meet or exceed all State Department minimums. You'll receive instant proof of insurance for your DS-2019 and program documentation.
Frequently Asked Questions
Can I use US domestic health insurance for J-1 requirements?
Possibly, if the domestic plan meets all the State Department minimums including the evacuation and repatriation requirements, and the insurer is rated A- or higher by A.M. Best. Many domestic plans don't include evacuation coverage. Verify all requirements are met.
How long does J-1 insurance coverage need to last?
Coverage must be maintained for the entire duration of your J-1 program, including any grace periods. If your program extends, make sure your insurance extends with it.
What is the A.M. Best rating requirement?
The State Department requires that the insurer have an A.M. Best rating of A- or better, or be regulated by a state department of insurance. Tower Hill only works with carriers that meet or exceed this standard.