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Health Insurance Requirement

Exchange Visitors and their dependents must maintain health insurance coverage for themselves and their J-2 dependents that meets or exceeds the requirements set by the U.S. Department of State for the duration of their exchange program.

The Department of State (DOS) has established minimum requirements for sickness and accident insurance (including evacuation and repatriation) for J-1 Exchange Visitors and their J-2 dependents.  All Exchange Visitor and their dependents are required to maintain such insurance coverage throughout the duration of their program.  Failure to maintain the required health insurance coverage identified in the Code of Federal Regulations [22 CFR 62.14] will lead to the loss of legal immigration status and expulsion from Pacific's exchange visitor program.

As of 15 May 2015, the insurance policy must at a minimum be:

1.     Eligible for
      a.     Medical benefits of at least $100,000 per accident or illness,
      b.     Repatriation of remains in the amount of $25,000,
      c.     Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000, and
      d.     A deductible not to exceed $500 per accident or illness;

2.     and Underwritten by an insurance corporation with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above; or

3.     Backed by the full faith and credit of the government of the exchange visitor's home country; or

4.     Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; or

5.     Offered through or underwritten by a federally qualified Health Maintenance Organization or eligible Competitive Medical Plan as determined by the Centers for Medicare and Medicaid Services of the U.S. Department of Health and Human Services.

Exchange Visitors and their dependents may be subject to the requirements of the Affordable Care Act [22 CFR 62.14(a)].