All J-1 Exchange Visitors and their J-2 dependents are required by federal regulations to have health insurance meeting the required federal minimum standards. To meet the minimum standards, the health insurance selected by scholars in J status must meet or exceed the below requirements:
- Medical benefits of at least $100,000 per accident or illness.
- At least $25,000 worth of "repatriation" coverage to send a body back to the home country if the insured should die.
- At least $50,000 for "evacuation" expenses coverage to send the insured to hospitals in the home country.
- Deductibles that do not exceed $500 per accident or illness.
In addition to the regulations governing J Exchange Visitors, another US law requires health insurance coverage. Under the "Affordable Care Act (ACA)," individuals who do not maintain "a minimum of essential healthcare coverage" must make an additional payment to the Internal Revenue Service (IRS) when they pay their taxes. Visitors in J status are exempt from this additional tax payment if they are nonresidents for tax purposes but would still be required to maintain health coverage that meets the J regulations. Carnegie Mellon University's student and employee insurance policies meet the ACA minimum healthcare coverage requirement.
J-1 Exchange Visitors who WILL NOT receive benefits from Carnegie Mellon University may purchase health insurance that meets these minimum standards directly from University Health Services. ALL J-1 Exchange Visitors must read, sign and submit OIE's J-1 Scholar Health Insurance Agreement (.pdf) to verify that they will comply with the required federal regulations regarding health insurance.
To purchase health insurance for yourself and your dependents (if applicable), full-time faculty and staff (who are paid by CMU) are typically eligible for benefits and insurance through Carnegie Mellon University. Visiting scholars who WILL NOT receive health insurance benefits from Carnegie Mellon University may purchase health insurance from University Health Services, by emailing email@example.com. This insurance may only be purchased during the first 30 days of your appointment at Carnegie Mellon University.
Failure to purchase and maintain Health Insurance will result in termination of J-1 status.