Lowest-cost J-1 and F-1 insurance that meets school requirements

For J-1 scholars and students, the lowest-cost TaiAn plan that meets the US Department of State requirements is TaiAn Plan S (TaiAn Exchange Select) with $100,000 per illness or injury; it starts at $38.10 a month under age 25, or $34.20 a month with the 10% TaiAn group discount. F-1 students must meet their own school's waiver rules, which are often higher than the J-1 minimum. Search for your school on TaiAn's Student & Scholar page, or send us your school's requirements and we'll check them for you.

• Medical benefits of at least $100,000 per accident or illness
• Repatriation of remains of at least $25,000
• Medical evacuation of at least $50,000
• A deductible of no more than $500 per accident or illness
• An insurer rated "A-" or above by A.M. Best (or an equivalent rating)

TaiAn Plan B and Plan S meet all of these with a benefit of $100,000 or more per illness or injury.

Many universities set their own waiver rules for F-1 students and J-1 scholars, such as a higher benefit per illness, a lower deductible, or coverage for particular services. If your school asks for more, choose a $250,000 or $500,000 benefit, or a lower deductible. TaiAn Plan B offers a $100 per-illness deductible or an annual deductible of $0, $250 or $500; the annual deductible is offered only by TaiAn.

Prices are the same for J-1, J-2, F-1 and F-2 visa holders. You can pay monthly or by the day, so a stay of 2½ months costs 2½ months of premium. If the J-1 or F-1 already has insurance, a J-2 or F-2 dependent can buy a plan alone.

Plan S has the lowest premium and pays 80% after the deductible in the UnitedHealthcare Options network (70% outside it in the US). Plan B costs a little more and pays 100% after the deductible, in or out of network, so your costs stay low if you need a lot of care.

Yes. Send us your school's insurance requirements or waiver page and we'll tell you which options qualify. TaiAn Financial answers in Chinese at +1 (317) 318-8258 and in English at +1 (317) 318-8259, Monday to Friday, 8:00 AM to 4:00 PM US Eastern time, and on WeChat (ID: TaiAn-USA).

Benefit amounts are from the plan brochures and are a summary only; the Certificate of Insurance is the only source of the actual benefits. Prices are monthly premiums for a $100,000 benefit per illness or injury, from TaiAn's Student & Scholar rates; get a quote for your exact price.