The University of Minnesota requires all J-1 international scholars, J-1 student-interns, and J-2 dependents to purchase UMN health insurance. J-1 scholars and their J-2 dependents are required to have either a UMN Employee Benefits Medical Plan or the UMN Student Health Benefit Plan (SHBP) for International Scholars.
This requirement applies to J-1 scholars, J-1 student-interns, and their J-2 dependents on all UMN system campuses.
Upon your arrival to campus, you will need to verify your health insurance with the Office of Student Health Benefits. Complete and submit the appropriate insurance forms to their office regarding the status of your insurance. You may submit your insurance forms to their office prior to your arrival, if you wish to do so.
DO NOT purchase other health insurance plans from your government or private insurance providers; otherwise you will pay for two insurance policies. This health insurance requirement is addressed in your Statement of Responsibilities that you sign as part of requesting your first DS-2019 from the UMN.
Student Health Benefit Plan
If you are not eligible for UMN employee benefits, you must purchase the Student Health Benefit Plan (SHBP) for international scholars and student-interns. Coverage under the SHBP is guaranteed for incoming J-1 scholars, J-1 student-interns, and J-2 dependents from the day they arrive at the UMN. Your payment for the SHBP will allow you to be seen at Boynton Health Service for most services at no cost and some services at a reduced cost. Contact the Office of Student Health Benefits for more information about this plan. See below for information regarding the limited exceptions to purchasing UMN health insurance.
UMN Employee Benefits Medical Plan
Eligible scholars and student-interns should purchase the UMN Employee Benefits health insurance (medical plan). Generally, if scholars or student-interns receive a salary from the University for three months or more at 75% time employment or more, they and their J-2 dependents are eligible for University employee health insurance. You should contact your UMN hosting department to ask about your employee benefits eligibility. For additional information, contact the Employee Benefits office.
If you are not eligible for University employee benefits or choose not to enroll in a University employee medical plan, you must purchase the SHBP as described above. See below for information regarding the limited exceptions to purchasing UMN health insurance.
Possible Delay in University Employee Health Insurance Coverage
University employee health insurance goes into effect on the first of the month after the individual’s hiring date. You must, therefore, purchase another plan that provides the required coverage for the period between the date of arrival in the U.S. and the date your employee insurance begins. The SHBP insurance can be purchased for this period. See Guidance for Hosting Departments below for related advice for this.
Exceptions to the UMN Health Insurance Requirement
Scholars ONLY: The following are two exceptions to purchasing the UMN health insurance:
- If your J-1 program will last 31 days or less, you may purchase SHBP insurance for yourself and your J-2 dependents, but you are not required to purchase it. If you do not purchase the SHBP, you must purchase other health insurance for yourself and your J-2 dependents that meet the minimum coverage required by federal immigration regulations.
- If you are insured through a U.S.-based employer-sponsored group health plan outside of the UMN, you may qualify for an exception.
NOTE: Student-Interns are required to purchase SHBP insurance for themselves and their J-2 dependents regardless of the duration of their student-intern program at the University.
ISSS is not authorized to approve exceptions. For exception-related questions, please contact the Office of Student Health Benefits.
Failure to Comply
If you do not purchase the UMN insurance for yourself and your dependent(s), and do not qualify for an exception as approved by the Office of Student Health Benefits, you will not be eligible to use ISSS’s services during your stay at the University. These services include:
- Travel/Re-entry Signatures
- DS-2019 Extensions
- Dependent DS-2019 Requests
- Financial Updates
- Occasional Lecture and Short-Term Consultation Authorizations
The U.S. Department of State’s Bureau of Educational and Cultural Affairs (ECA) regulations require J-1 scholars and their J-2 dependents to carry health insurance that meet specific minimum standards. Health insurance must be maintained from the day you arrive in the U.S. through the entire duration of your J-1 program.
If you willfully fail to carry health insurance for yourself or your dependents after your program effective date, the UMN must terminate your J-1 program and report this to the U.S. Department of State.
In addition to the regulatory reasons for carrying health insurance, health care in the U.S. is complicated and very expensive. One illness or injury can financially devastate you and your family (one day in the hospital can cost well over $10,000). International scholars, student-interns, and their dependents are not eligible to use U.S. government or Minnesota-paid public assistance programs. Health insurance is designed to prevent depletion of your savings if an accident or illness occurs.
J-2 Health Insurance Requirements
The J-1 is required to provide their dependents with adequate health insurance, as required by the J Exchange Visitor visa regulations. The University of Minnesota requires all international scholars, student-interns, and accompanying dependents to purchase the university’s insurance - the Student Health Benefit Plan (SHBP). Learn more about payments for J-2 health insurance.
U.S. Citizen Dependents
If you have a dependent child who is a U.S. citizen, you are required to purchase health insurance for that child that meets certain minimum requirements or pay a “shared responsibility payment.” This is a requirement of the federal Affordable Care Act (ACA). The easiest method for meeting this requirement is to add your American citizen child to your required UMN insurance policy. All of the University's plans are compliant with the ACA’s requirements.
Guidance for Hosting Departments
Hosting Departments should:
- Help scholars and student-interns avoid the gap in the employee medical plan coverage. We advise that hiring departments choose an appointment start date at the end of a month instead of the beginning of a month (for example, having the scholar start on the 31st of a month instead of on the 1st of the next).
- Help to consistently communicate the UMN’s insurance requirement for international scholars and student-interns. We strongly recommend including information about the insurance expectations in the department’s invitation/offer letter to the scholar. Department should also remove any generic language that instructs scholars or student-interns to purchase their own insurance from a private company. This is misleading to scholars/student-interns, since they are expected to purchase UMN insurance (see above for options).
- Help scholars and student-interns avoid paying for two insurance plans. If you learn that a scholar’s or student-intern's funding source (such as their home country’s government) plans to provide their own insurance for the scholar during their stay here, inform/remind the scholar of the UMN insurance requirement.
- Advise scholars and student-interns to review the Insurance Forms and coverage information prior to arrival.
- Inform the scholar that they will be billed directly and their payments will be post-tax if they enroll a J-2 Dependent at any time other than during open enrollment or their 30-day event window.