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

Mandatory Minimum Coverage
CoverageMinimum Requirements
Medical coverage$100,000 per accident or illness
Medical evacuation$50,000
Repatriation of remains$25,000
DeductibleNot 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