Health insurance is mandatory requirement for J-1 students and their dependents. Failure to maintain adequate coverage as defined by the U.S. Department of State is grounds for termination of legal status.
It is not only unwise to be in the United States without adequate health insurance, it is a violation of J-1 status. Although in many countries the government bears the expense of health care for its citizens, individuals and families in the United States are responsible for these costs themselves. Since a single day of hospitalization and medical treatment can cost thousands of dollars, many hospitals and clinics refuse to treat uninsured patients except in life-threatening emergencies. A good medical insurance plan is the only protection against the enormous costs of health care in the USA.
The J-1 student is required to certify that he/she has the required levels of health, medical, evacuation and repatriation insurance for himself/herself and dependents. The U.S. Department of State defines adequate coverage as:
- Coverage of at least $100,000 per accident/illness, with no more than a $500 deductible
- Coverage of at least $25,000 for repatriation of remains in case of death;
- Coverage of at least $50,000 for medical evacuation to the home country.