The Department of State (DOS) requires that ALL J-1 Exchange Visitors (J visa type) have medical insurance in effect for themselves and any dependents in J-visa status for the duration of their stay in the United States. Details found in the Code of Federal Regulations [22 CFR 62.14].
Health insurance policies must meet the minimum benefit requirements set by the U.S. Department of State per [22 CFR 62.14]
(1) medical benefits of at least $100,000 per accident or illness;
(2) repatriation of remains in the amount of $25,000;
(3) expenses associated with medical evacuation of the exchange visitor to his or her home country in the amount of $50,000; and
(4) a deductible not to exceed $500 per accident or illness.
A policy secured to fulfill the insurance requirements shall not have a deductible that exceeds $500 per accident or illness, and must meet other standards specified in the regulations.
Exchange Visitors, and any accompanying spouse and dependent(s), also may be subject to the requirements of the Affordable Care Act.
Maintenance of Insurance
Willful failure on the scholar's part to maintain the required insurance will result in the termination of his/her exchange program.