Free tool · Checked October 2026
Does this J1 plan meet the minimums?
For au pairs, exchange students, camp counselors, host families and sponsors. Enter what the plan provides and see, requirement by requirement, how it compares with the Department of State rule for J1 and J2 insurance, 22 CFR 62.14.
This tool checks the figures you enter. It does not decide whether a policy is compliant: your sponsor verifies the certificate and makes the final decision.
22 CFR 62.14 checker
Enter what the plan provides
Use the figures on the certificate or policy summary. Nothing you type leaves this page.
Result
No shortfall so far, with items to confirm
Nothing you entered is below a minimum. 10 items still need an answer or your sponsor's judgment. Your sponsor makes the final decision.
- Medical benefits per accident or illness§ 62.14(b)(1)Confirm
- Medical evacuation to home country§ 62.14(b)(3)Confirm
- Repatriation of remains§ 62.14(b)(2)Confirm
- Deductible per accident or illness§ 62.14(b)(4)Confirm
- Coinsurance you pay§ 62.14(c)(2)Confirm
- Pre existing conditions§ 62.14(c)(1)Confirm
- Insurer rating§ 62.14(d)(1)Confirm
- J2 spouse and dependents§ 62.14(a), (h)Confirm
- Coverage for the whole program§ 62.14(b)Confirm
- Program activities not excluded§ 62.14(c)(3)Confirm
Requirement by requirement
- Medical benefits per accident or illness22 CFR 62.14(b)(1)Not enteredEnter the medical benefit from your certificate. The minimum is $100,000 per accident or illness.Confirm
- Medical evacuation to home country22 CFR 62.14(b)(3)Not enteredEnter the medical evacuation benefit from your certificate. The minimum is $50,000.Confirm
- Repatriation of remains22 CFR 62.14(b)(2)Not enteredEnter the repatriation of remains benefit from your certificate. The minimum is $25,000.Confirm
- Deductible per accident or illness22 CFR 62.14(b)(4)Not enteredEnter the deductible. It may not exceed $500 per accident or illness.Confirm
- Coinsurance you pay22 CFR 62.14(c)(2)Not enteredEnter the share you pay after the deductible (0 if the plan pays 100%). The cap is 25%.Confirm
- Pre existing conditions22 CFR 62.14(c)(1)Not enteredChoose how the policy treats pre existing conditions.Confirm
- Insurer rating22 CFR 62.14(d)(1)A.M. Best: not enteredChoose the underwriter's A.M. Best rating. The minimum is A−.Confirm
- J2 spouse and dependents22 CFR 62.14(a), (h)Not enteredSay whether a spouse or dependents will accompany you.Confirm
- Coverage for the whole program22 CFR 62.14(b)Not enteredSay whether the policy dates cover the whole program.Confirm
- Program activities not excluded22 CFR 62.14(c)(3)Not enteredSay whether the policy excludes activities that are part of your program.Confirm
Sponsor ready summary
J1 insurance summary for sponsor review
- Prepared:
- Prepared by:
- Exchange student or scholar
Result: No shortfall so far, with items to confirm
| Requirement | Entered | Status |
|---|---|---|
| Medical benefits per accident or illness22 CFR 62.14(b)(1) | Not entered | Confirm |
| Medical evacuation to home country22 CFR 62.14(b)(3) | Not entered | Confirm |
| Repatriation of remains22 CFR 62.14(b)(2) | Not entered | Confirm |
| Deductible per accident or illness22 CFR 62.14(b)(4) | Not entered | Confirm |
| Coinsurance you pay22 CFR 62.14(c)(2) | Not entered | Confirm |
| Pre existing conditions22 CFR 62.14(c)(1) | Not entered | Confirm |
| Insurer rating22 CFR 62.14(d)(1) | A.M. Best: not entered | Confirm |
| J2 spouse and dependents22 CFR 62.14(a), (h) | Not entered | Confirm |
| Coverage for the whole program22 CFR 62.14(b) | Not entered | Confirm |
| Program activities not excluded22 CFR 62.14(c)(3) | Not entered | Confirm |
These results compare the figures entered against 22 CFR 62.14. They are not a determination that the policy is compliant. The sponsor verifies the insurance certificate and makes the final decision. Regulation: https://www.ecfr.gov/current/title-22/chapter-I/subchapter-A/part-62/subpart-A/section-62.14. Checked October 2026.
The rule, clause by clause
What 22 CFR 62.14 requires.
A plain language summary of the regulation. The official text governs; follow each clause link to read it on eCFR. Regulation text checked on eCFR on October 6, 2026 (eCFR current as of October 5, 2026).
Medical benefits
§ 62.14(b)(1)At least $100,000 per accident or illness.
Repatriation of remains
§ 62.14(b)(2)$25,000.
Medical evacuation
§ 62.14(b)(3)$50,000 for evacuation to the home country.
Deductible
§ 62.14(b)(4)Not more than $500 per accident or illness.
Coverage period
§ 62.14(b)The whole program, as recorded in SEVIS (Program Begin Date to the program end or termination date).
Pre existing conditions
§ 62.14(c)(1)A policy may use a waiting period for pre existing conditions that is reasonable by current industry standards. No number of months is set.
Coinsurance
§ 62.14(c)(2)The exchange visitor may be required to pay up to 25% of covered benefits per accident or illness.
Program activities
§ 62.14(c)(3)Must not unreasonably exclude perils inherent to the activities of the exchange program.
Insurer standing
§ 62.14(d)Underwritten by an insurer rated A.M. Best A− or above, S&P claims paying ability A− or above, Weiss B+ or above, Fitch A− or above, or Moody's A3 or above; or backed by the home country government; or a group plan a designated sponsor offers to employees or enrolled students; or a federally qualified HMO or eligible Competitive Medical Plan.
J2 spouse and dependents
§ 62.14(a), (h)Accompanying spouses and dependents must be insured in the same amounts.
How to use it
Five steps, one summary.
- 01
Find your certificate
Open the insurance certificate or policy summary for the J1 participant and any J2 dependents.
- 02
Enter the benefit amounts
Enter the medical benefit per accident or illness, medical evacuation, repatriation of remains, deductible and coinsurance.
- 03
Enter the insurer standing
Choose the rating agency and the rating of the insurer that underwrites the policy, or the other route by which the plan qualifies.
- 04
Answer the program questions
Say whether coverage spans the whole program, covers J2 dependents at the same amounts, and does not exclude program activities.
- 05
Share the summary with your sponsor
Print or copy the sponsor ready summary. Your sponsor verifies the certificate and makes the final decision.
Questions
J1 insurance, answered with sources.
What insurance does a J1 exchange visitor need?
Under 22 CFR 62.14(b), the policy must provide medical benefits of at least $100,000 per accident or illness, $25,000 for repatriation of remains, $50,000 for medical evacuation to the home country, and a deductible of no more than $500 per accident or illness.
Source: 22 CFR 62.14(b)(1) to (4)
Which insurer ratings qualify for J1 insurance?
Section 62.14(d)(1) accepts an underwriter rated A.M. Best A− or above, S&P claims paying ability A− or above, Weiss B+ or above, Fitch A− or above, or Moody's A3 or above. A policy can also qualify if it is backed by the full faith and credit of the home country government, is a group plan a designated sponsor offers to its employees or enrolled students, or is offered through a federally qualified HMO or eligible Competitive Medical Plan.
Source: 22 CFR 62.14(d)
Do J2 dependents need the same insurance?
Yes. Section 62.14(h) requires accompanying spouses and dependents to be insured in the amounts set in paragraph (b), and sponsors must tell exchange visitors about this in writing before they arrive in the United States.
Source: 22 CFR 62.14(a) and (h)
Can a J1 policy have a waiting period for pre existing conditions?
Yes. Section 62.14(c)(1) allows a waiting period for pre existing conditions that is reasonable as determined by current industry standards. The regulation does not set a number of months, so your sponsor judges whether a waiting period is reasonable.
Source: 22 CFR 62.14(c)(1)
How much coinsurance can a J1 plan have?
Section 62.14(c)(2) allows coinsurance under which the exchange visitor pays up to 25% of covered benefits per accident or illness.
Source: 22 CFR 62.14(c)(2)
How long must J1 insurance last?
For the whole program. Section 62.14(b) defines the required period as the exchange visitor's actual participation as recorded in SEVIS, from the Program Begin Date to the Program End Date, Effective Program End Date or Effective Date of Termination.
Source: 22 CFR 62.14(b)
Who decides whether my J1 insurance is acceptable?
Your sponsor. The Department of State says sponsors verify that a participant's insurance meets the regulatory requirements. Under 62.14(i) and (j), willfully failing to keep the required coverage, or misrepresenting it, can lead to termination from the program.
Sources
22 CFR 62.14, Insurance, Electronic Code of Federal Regulations. Regulation text checked on eCFR on October 6, 2026 (eCFR current as of October 5, 2026).
BridgeUSA eligibility and fees, US Department of State: sponsors verify that participants' insurance meets the regulatory requirements.
Section 62.14(a) also requires sponsors to tell exchange visitors that they, and any accompanying spouse and dependents, may be subject to the Affordable Care Act. Ask your sponsor what it needs to see. Spot an error? Tell our team.
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