Ask Our Specialists


Hello, I am going to go to Johns Hopkins Medicine in the USA as a j-1 postdoc fellow for a two-year period. I want to have my own health Insurance. first, need to be sure whether your offer meets the requirements or not. And at the beginning, I'd like to enroll for 6 months insurance. Do you know that is acceptable for j-1 rules? Some friends did like this but at different universities not Hopkins. I found Atlas Essential America on your website that is okay for me. Are the rules below met by this insurance? Any policy, plan or contract secured to fill the above requirements must, at a minimum be; - Underwritten by an insurance corporation having an A.M. Best rating of "A--" or above; a McGraw Hill Financial/Standard & Poor's Claims-paying Ability rating of :A-" or above; a Weiss Research, Inc. rating of "B+" or above, a Fitch Ratings, Inc. rating of "A-" or above, a Moody's Investor Services rating of "A3" or above, or such other ratings as the Department of State may from time to time specify; OR - Backed by the full faith and credit of the government of the exchange visitor's home country; OR - Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; OR - Offered through or underwritten by a federally qualified Health Maintenance Organization (HMO), or eligible Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration of the U.S. Department of Health and Human Services. - Cover the Exchange Visitor and Dependent family members for the duration of the Exchange Visitor Program as recorded in the "Program Begin Date" and "Program End Date" on Form DS-2019.


Provided that you are not subject to having a plan that is ACA compliant, the Atlas Essential America plan will meet your requirements.  

The plan will also have an A.M. Best rating of  A "Excellent" so it will fulfill this requirement as well. 

Last Updated: {{question.updated}}
Published: {{question.published}}
{{question.likes}} {{question.likes == 1 ? 'person found this answer useful' : 'people found this answer useful'}}
2194 page views

DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

Search Questions and Get Answers

Type your question or hashtag below or Ask a Question

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

Learn More

Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

Learn More

New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

Learn More

Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

Learn More

Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

Learn More

Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

Learn More

Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

Learn More

International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More