UMD: A Globally Connected University

Health Insurance (J-1)


As a J-1 Exchange Visitor in the United States, you are required to carry health insurance for yourself and your J-2 dependents for the full duration of your J-1 program. Government regulations stipulate that if you willfully fail to carry health insurance for yourself and your dependents, your J-1 sponsor must terminate your program, and report the termination to the United States Department of State (DOS) in Washington.

Coverage Requirements

While you hold J-1 or J-2 status, you are required to carry the following type and amounts of coverage:

Accident or illness coverage
(Amount of the cost of care that the insurance plan will cover)

$100,000 minimum for each accident or illness

(Insurance to cover the cost of return travel home due to serious illness)

$50,000 minimum

(Insurance to cover the cost to send your remains to your home country should you die in the United States)

$25,000 minimum

(Amount you are responsible to pay before insurance begins its coverage)

$500 maximum

Coverage periods:
If your program is 6 months or less: insurance must be purchased for the entire program. 

If your program is for more than 6 months: insurance must be purchased for at least one year at a time.

Insurance Options

You have many different options to comply with the health insurance requirements. The following options are available to you based on if you are or are not employed at least 50% with the University of Maryland.

Please note that your selected insurance policy must be underwritten by an insurance corporation having an A.M. Best rating of ‘‘A-’’ or above; a McGraw Hill Financial/Standard & Poor’s Claims-paying Ability rating of ‘‘A-’’ or above; a Weiss Research, Inc. rating of ‘‘B+’’ or above; a Fitch Ratings, Inc. rating of ‘‘A-’’ or above; a Moody’s Investor Services rating of ‘‘A3’’ or above.

Paid by University of Maryland (at least 50% time)
Maryland Benefits Plan All insurance plans offered meet health insurance requirements.

To enroll in medical evacuation and repatriation coverage, you may purchase Frontier Medex, a supplemental policy through the university health center.

Contact your department or view the University Human Resources benefit information.
If you do not receive funding from University of Maryland,
you may purchase the UMD Health Insurance Plan through the Health Center:​
UMD Student Health Insurance

This insurance meets all of the requirements and specifications.

As a scholar you are eligible to purchase UMD student health insurance.

This can be done at the health center with a letter from ISSS.

For more information:

United Health Insurance policy website

To enroll, visit the University Health Center in person. For
hours and location, visit the University Health Center website.

Additional Health Insurance information

Understanding the Patient Protection and Affordable Care Act (ACA)