The U.S. Department of State requires that all individuals engaging in the J-1 Exchange Visitor Program be covered by a health insurance policy that meets minimum standards of coverage. Most health insurance policies from outside of the United States, and/or those offered by U.S. host companies to regular domestic employees, do not meet these minimum standards of coverage. Teachers Council has therefore arranged for an accident and illness health insurance policy for all of our participants in compliance with Department of State standards, which is mandatory for the duration of the program. You may still offer health coverage through your school that can be used in combination with the Teachers Council insurance to give your teacher additional coverage.
*Note about ACA compliance for J-1 Teachers:
As with U.S. tax considerations, whether or not the teacher is required to have ACA compliant insurance beyond the insurance offered by Teachers Council, depends on the length of time they have been in the United States. For the first TWO YEARS of their program, teachers are considered non-resident aliens and therefore are not mandated to hold ACA compliant insurance. However, if the teacher’s program at your school continues past two years, then the teacher will need to obtain ACA compliant insurance coverage. While the school is not obligated to provide coverage at any point to the J-1 teacher, it would be very helpful to do so at this point in the teacher’s program, if not already offered. Otherwise, the teacher would need to acquire their own ACA compliant plan on their own, which could be very expensive, or pay the penalty.