J1 Visa Insurance
J1 Visa Health Insurance Requirements: The Definitive Guide
U.S. Department of State mandates specific insurance minimums for J1 exchange visitors. Here are the exact requirements and how to comply.
Every J1 exchange visitor in the United States is legally required to carry health insurance that meets specific U.S. Department of State (DOS) minimums. Failure to maintain compliant coverage can result in program termination and visa revocation.
DOS Minimum Requirements (22 CFR 62.14)
- Medical benefits of at least $100,000 per accident or illness
- Repatriation of remains coverage of at least $25,000
- Medical evacuation coverage of at least $50,000
- Deductible no greater than $500 per accident or illness
Carrier Standards
The insurance carrier must meet one of these standards: an A.M. Best rating of "A-" or above, an Insurance Solvency International rating of "A-i" or above, a Standard & Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research rating of "B+" or above. Most reputable visitor insurance providers meet these standards.
Compliance Periods
Coverage must be maintained for the entire J1 program period, including the 30-day grace period after the DS-2019 end date. Coverage gaps are a serious violation — even a one-day lapse can trigger program termination.
Family Members
J-2 dependents (spouses and children under 21) must also maintain qualifying insurance for the duration of their stay. They can be added to the same plan as the J-1 holder for a discounted rate.
Bottom Line
J1 insurance is not optional — it's legally required. Ombrela offers DOS-compliant plans verified to meet every requirement, with instant proof of coverage for your program sponsor.
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