Top Mistakes to Avoid When Purchasing Health Insurance for J1 and J2 Visa Holders 

Traveling to the United States on a J1 or J2 visa is an exciting opportunity — whether you are a student, scholar, researcher, intern, or the dependent of someone on a J1 visa. However, this adventure comes with responsibilities, and securing the right health insurance is one of the most important things. 

Unlike many countries where basic healthcare might be subsidized or free, the US has some of the highest medical costs in the world. Even a short emergency room visit can cost thousands of dollars. That is why the US Department of State (DOS) makes it mandatory for all J1 exchange visitors — and their J2 dependents — to maintain minimum levels of health insurance throughout their stay. 

However, simply buying any travel insurance plan is not enough. Many visitors make avoidable mistakes that can cost them money, delay their studies or research, or even jeopardize their visa status. Here is a clear guide to the top mistakes to avoid when purchasing health insurance for J1 and J2 visa holders, plus tips to help you choose wisely. 

Table of Contents: 

• Top Mistakes to Avoid When Purchasing Health Insurance 
• FAQs 
• Conclusion 

Top Mistakes to Avoid When Purchasing Health Insurance 

1. Not Meeting the US Government Insurance Requirements 

The J1 visa health insurance requirements are clearly defined by the US Department of State. Failing to meet these standards could result in visa termination. 

Minimum requirements include: 

• Medical benefits of at least $100,000 per accident or illness 
• Repatriation of remains coverage of $25,000 
• Medical evacuation coverage of $50,000 
• A deductible not exceeding $500 per accident or illness 
• Plan to be underwritten by an insurance corporation with- 
• An A.M. Best rating of “A-” or above,  
• Or an Insurance Solvency International Ltd. (ISI) rating of “A-I” or above,  
• Or a Standard and Poor’s Claims Paying Ability rating of “A-” or above, 
• Or a Weiss Research Inc. rating of B+ or above. 

Mistake: Some visitors assume any travel insurance will do, only to later find out their policy is non-compliant. 

Tip: Always verify the plan meets J1/J2 visa minimum standards in writing and includes evacuation and repatriation coverage. 

2. Skipping Evacuation and Repatriation Coverage 

Medical evacuation and repatriation may sound unnecessary, but they are non-negotiable under the J1 rules. 

• Medical evacuation covers transportation to your home country or a suitable facility during a major medical emergency. 
• Repatriation of remains pays for transporting your remains home in case of death. 

Mistake: Buying a policy without these benefits or assuming they are included. 

Tip: Look for these items, specifically in your policy. If your chosen plan does not have these benefits included, purchase a separate, standalone evacuation and repatriation plan to supplement your main insurance. 

3. Assuming the J2 Dependent Is Automatically Covered 

A J1 visa holder’s spouse or children traveling on a J2 visa are required to have insurance that meets the same minimum standards. However, dependents are not automatically added to your plan. 

Mistake: Assuming one policy covers the entire family or failing to buy separate coverage for the J2 dependent (spouse/child). 

Tip: Ask the insurer if the plan supports multi-member coverage or buy individual plans for each dependent. 

4. Delaying Purchase Until After Arrival 

Buying insurance only after arriving in the US is risky and sometimes non-compliant. You might face problems registering at your university, activating SEVIS, or participating in your program. 

Mistake: Traveling uninsured for days or weeks, or assuming you can purchase coverage later without consequences. 

Tip: Buy insurance before your departure from your home country. Many schools and sponsors require proof of insurance at orientation or before issuing a DS-2019 form. 

5. Not Comparing Plan Types: Fixed vs. Comprehensive

J visa holders are often tempted by low-cost fixed-benefit plans without understanding their limitations. Fixed-benefit plans pay a set amount per service (e.g., $200 per hospital visit), leaving you to pay the rest. Comprehensive plans pay a percentage of actual costs (e.g., 80% after deductible), offering broader protection. 

Mistake: Choosing the cheapest plan without comparing coverage details, and thus probably not meeting the J visa insurance requirement. 

Tip: If budget allows, go for a comprehensive plan with lower out-of-pocket expenses in case of emergencies. 

6. Ignoring Pre-Existing Condition Limitations 

Most J visa insurance plans have waiting periods or exclusions for pre-existing conditions. 

Mistake: Assuming existing health issues (e.g., asthma, diabetes) will be covered right away.  

Tip: If you have a pre-existing condition (e.g., asthma, diabetes), choose a plan that offers some level of coverage for the acute onset or includes a short waiting period. Always read the fine print. 

7. Missing School or Sponsor-Specific Requirements 

While the Department of State sets minimum coverage rules, many sponsors and universities have stricter requirements. 

Examples include: 

• Lower deductible limits 
• Mental health coverage 
• Maternity coverage 
• COVID-19 treatment 

Mistake: Buying a plan that meets government rules but fails to satisfy your school/sponsor. 

Tip: Check with your DSO (Designated School Official) or program sponsor before purchasing. Some schools even provide a list of approved plans. 

8. Overlooking Network Limitations and Provider Access 

International students and scholars should be able to access a wide network of doctors and hospitals. 

Mistake: Buying a plan that has a narrow provider network or lacks PPO coverage, which may lead to unexpected out-of-pocket charges. 

Tip: Choose a plan with an extensive US provider network and easy access to hospitals, urgent care, and telemedicine services. 

9. Failing to Renew or Extend Insurance Coverage 

Your J1 or J2 visa status may extend beyond your original insurance period, especially if your program is extended or delayed. 

Mistake: Letting insurance coverage lapse or not renewing it on time. 

Tip: Set reminders to renew your policy and verify the maximum coverage duration. Some insurers allow month-by-month extensions or auto-renewal options. 

FAQs 

Is it mandatory for J2 dependents to have their own insurance? 

Yes. J2 dependents must also carry insurance that meets the same requirements as J1 visa holders. Coverage is not automatically extended from the J1 policy. 

Can I use my university’s health insurance plan as a J1 visa holder? 

Possibly. Many universities offer plans that meet J1 requirements, but it is important to confirm that the plan includes evacuation and repatriation coverage. 

What happens if my insurance does not meet the visa requirements? 

You may face visa non-compliance, program delays, or even termination of your J1/J2 visa status. 

Is it possible to cancel or change my J1 insurance plan midway through my stay? 

Some plans allow cancellation or changes, but terms vary. Refunds may be partial and subject to administrative fees. 

How long should I purchase coverage for as a J1 visa holder? 

You should buy coverage for the entire duration of your program, including any time between arrival and orientation, or until you depart the US. 

What happens if my program is extended—can I extend my insurance too? 

Yes. Most J1 insurance providers allow you to extend coverage to the maximum life of the plan. You must do so before the existing policy expires to avoid coverage gaps. 

Conclusion 

Health insurance is a crucial part of staying safe and compliant as a J1 or J2 visa holder in the US. A single mistake can not only cost you financially but also put your visa status at risk. To avoid common pitfalls, verify the plan meets J visa requirements, check if your school or sponsor has additional guidelines, and understand what is and is not covered. Taking time to research and choosing the right plan is one of the smartest decisions you can make before beginning your journey.