Insurance Based on Visa

According to which visa you’re holding - does the U.S. mandate health insurance requirements?

International students entering the USA on a J1 visa must have adequate health insurance that fulfills requirements set forth by the US Department of State AKA the visa authorities. As of now, the J1 visa insurance requirements include:

  • Medical benefits of at least $100,000 per accident or illness
  • Repatriation of remains coverage amounting to $25,000
  • Expenses associated with the emergency medical evacuation of the exchange visitor to his/her home country in the amount of $50,000
  • A deductible of no more than $500 per accident or illness

Whereas, F1 visa holders do not have to meet government-mandated standards. They have less stringent health insurance requirements than those holding a J1 visa, as these international students don’t have any oversight or requirements from the US government. These policies are typically determined by the educational institution the student is enrolled at.