J-1 regulations require that both the J-1 principal and the J-2 dependents purchase specific types and amounts of medical insurance coverage:
The J-1 regulations require one of the following industry ratings for insurance companies providing health insurance coverage: A.M. Best rating of “A” or above; Insurance Solvency International Ltd. rating of “A-i” or above; Standard and Poor’s Claim Paying Ability rating of “A” or above; Weiss Research, Inc. rating of “B+” or above.
It is important for J-1 sponsors to know that due to a technicality in the J-1 regulations, The Mississippi State and School Employees Health Insurance Plan does not meet the J-1 health insurance requirements. Under the J-1 regulations, exchange visitors are required to purchase a health insurance plan with a deductible that does not exceed $500. Since the current deductible under the state plan is now $1,000, it would be inappropriate to offer this plan to exchange visitors. Exchange visitors are encouraged to purchase health coverage from one of the many U.S. companies offering individual plans that meet the J-1 requirements. If a prospective exchange visitor prefers to purchase health coverage in his/her home country and can present evidence satisfactory to the OIS prior to arrival in the United States that the coverage meets the requirements of the exchange visitor program, this will be an acceptable alternative.
Although detailed information regarding the required health insurance coverage will be included with the exchange visitor’s Form DS-2019, the J-1 sponsoring department will also be expected to notify him/her of the required coverage and ensure that the coverage is maintained during the exchange visitor’s participation. A J-1 exchange visitor who willfully fails to maintain the required coverage will be terminated from the exchange visitor program.
2500 North State Street
Jackson, MS 39216
General Information: 601-984-1000
Patient Appointments: 888-815-2005