Health insurance for J-1 visiting scholars

U.S. Department of State regulations require that J-1 Exchange Visitors and their J-2 dependents purchase valid health insurance for their duration of stay in the United States.

The minimum coverage should meet the following criteria:   

• Medical benefits of at least $100,000 for an accident or illness
• Repatriation benefits in the amount of $25,000
• At least $50,000 for medical evacuation of the Exchange Visitor and dependents to his/her home nation
• A deductible which does not exceed $500 per illness

Since the cost of medical treatment in the United States is so high (the average hospital stay for three days could easily cost over $1,000), St. Cloud State requires that all J-1 Exchange Visitors and any J-2 dependents purchase the Minnesota State Colleges and Universities System Health Plan. Coverage must be purchased upon arrival on campus. 

This mandatory program exists for the protection of international scholars and provides a health plan should there be need for medical attention. The United States does not have a national health care system available to nonimmigrant scholars; therefore, the cost of medical care is the responsibility of the scholars.

St. Cloud State has contracted with the Student Resources Division of UnitedHealthcare Insurance Company to offer a group health plan at reasonable rates.

Subject to change, here are the estimated yearly rates for the 2023-24 academic year:

• J-1 Exchange Visitor is $2,289.00
• J-2 Exchange Visitor spouse is $2,289.00
• J-2 Exchange Visitor child is $2,289.00

Upon their arrival at St. Cloud State, scholars should make their health insurance payment. Payment can be made by U.S. cash, money order, cashier’s check, a valid U.S. bank check, a VISA or Mastercard affiliated with a U.S. bank.