J-1 medical insurance
U.S. Department of State regulations require all J-1 Exchange Visitors to have medical insurance for themselves and any accompanying J-2 family members for the duration of their program. In addition, J-1 Exchange visitors and their J-2 dependents may be subject to the requirements of the Affordable Care Act.
Willful violation of the insurance requirements can result in termination of your J-1 program by the ISSC, in accordance with immigration regulations. Fulfilling this insurance requirement is essential, not only because of the U.S. Department of State regulations, but because medical treatment in the United States can be very expensive, especially without proper insurance coverage.
It is the J-1 Exchange Visitor’s responsibility to notify the ISSC of dependents who are currently in the United States or who arrive later and present evidence of appropriate insurance coverage for them. You must provide proof of continuous insurance coverage to the ISSC before it expires. The insurance coverage you have or will have must meet or exceed the legal requirement stated below.
If you are a benefits eligible employee, please note that ASU medical insurance does not currently meet J-1 Medical Insurance Requirements. Thus, eligible ASU Exchange Visitor employees electing an ASU health insurance plan will also need to purchase a separate insurance policy to be in compliance.
Please review the below information for details on requirements and resources.
Medical Insurance Requirements
| Coverage | Minimum Requirements |
|---|---|
| Medical coverage | $100,000 per accident or illness |
| Medical evacuation | $50,000 |
| Repatriation of remains | $25,000 |
| Deductible | Not to exceed $500 per accident or illness |
Policy Requirements
- Policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by DOS (an A. M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-i" or above, a Standard & Poor's Claims-paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above).
- The policy may establish a waiting period before it covers pre-existing conditions (health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance industry.
Where can I buy insurance?
We are providing the following plans as a resource because they have been used by other international students and scholars. This is not an exhaustive list of all providers and neither ASU nor ISSC officially endorses them. It is crucial that you do your own research, read the plan's details carefully and compare the plan to your needs. You must contact the provider directly with any specific questions you may have.
Here are a few tools to compare different insurance policies:
International Student Health Insurance
American Visitor Insurance
iVisitor Insurance
Visitors Health
ASA
Below is a list of insurance providers:
Academic Risk Management
American International Group
Anderson Insurance Services
Betins International Health and Travel Insurance
CISI Cultural Insurance Service International
Compass Benefits Group
Gateway USA
HTH Worldwide
International Medical Group
INSUBUY
ISO International Student Health Insurance
International Student Protection
UnitedHealthcare
VisitorsCoverage
World Trips
Marketplace Plans