Health Insurance Requirements

United States federal law (22 C.F.R. 62.14) requires all J-1 Exchange Visitors and J-2 Dependents to have accident and sickness health insurance coverage valid for the entire duration of the J-1 program. Your J-1 program duration is determined by the dates listed in section 3 of your DS-2019 form.

Note: This is a regulatory requirement, not a policy.

Section 62.14, 22 CFR § 62.14 Insurance defines the minimum coverage requirements:

  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.

The willful failure to obtain and maintain insurance that meets U.S. Department of State standards is considered a violation of the regulations and the Exchange Visitor is subject to termination of their J visa status.

All new J1 Exchange Visitor Scholars will report initial proof of insurance prior to attending Orientation. Exchange Visitors will upload documentation in iStart, via the Insurance Documentation eform.

Continuing Exchange Visitors will update ISSS of insurance coverage in iStart, via the Health Insurance Update eform.

Acceptable Documentation

It is the responsibility of the Exchange Visitor to obtain documentation from their insurer that clearly states the following:

  • Name of Exchange Visitor
  • Period of coverage (start date – end date)
  • Policy coverage

NOTE: The documentation uploaded must clearly show all the U.S. Department of State requirements are being met. This may require the Exchange Visitor to communicate with their insurance provider to obtain an acceptable document.

ISSS is not able to contact an insurer to obtain missing information.

If Georgia State University is funding your program, you may be eligible for the GSU group employee health insurance. Talk to your Georgia State host department for details.

The only employee insurance plans that meet visa requirements are the Open Access POS (NON- HSA), Blue Choice HMO or Kaiser HMO.  The HSA Open Access plan is not acceptable for visa requirements.

If the Georgia State employee insurance is not effective on the program start date, Exchange visitors must obtain supplemental insurance to cover the visitor until Georgia State insurance becomes effective.

NOTE: Georgia State employee insurance does not cover medical evacuation and repatriation. Exchange Visitors are responsible for obtaining supplemental insurance to cover these requirements.

DISCLAIMER: This is provided for informational purposes only. International Student & Scholar Services neither endorses nor assumes responsibility for services provided by PGH Global or any other service provider.

It is the responsibility of the J1 Exchange Visitor to research, purchase, and provide acceptable documentation  of insurance that meets all U.S. Department of State requirements.

Below is a list of the top 5 insurance providers of J1 Exchange Visitors in the scholar categories for the 2018-2019 FY.

  • PGH Global
  • International Medical Group
  • ISO Insurance
  • Seven Corners
  • PING AN