Although insurance is not federally required for F2 visa holders, it is a good idea to have coverage since health costs inside the US can be expensive. However, finding insurance for a F2 visa can sometimes be a hunt. Many international student insurance plans will have certain eligibility requirements stating that the covered individual needs to be a full time student or have a F1 visa. This can create a roadblock for the F2 dependents of students.
Although difficult to find, individuals on an F2 visa have many options available when looking for a plan. Here are just a few:
Be a dependent: More than likely the individual who is on an F1 visa will also purchase health insurance. When making the purchase, whether it is to fulfill a school requirement or just to be prepared for the worst, it is important to check if dependents are allowed on the plan. The Student Secure plan, for example, allows those on an F1 visa to purchase the plan and have a F2 spouse or child added to the plan. (Update: The Student Secure plan is now for students only, dependents cannot be added to this plan)
- Purchase a major medical plan:
If purchasing a plan as a dependent is not an option and the individual needs insurance for a F2 visa for one year or longer, purchasing an international major medical plan is a great option. Often these plans do not have student status requirements and will provide comprehensive coverage.
- Purchase a travel plan:
F2 visa holders who need coverage for less than a year will want to explore their international travel medical plan options. Typically a main requirement of these plans is for the covered individual to purchase coverage for outside of their home country. That means there is not a student status required or a full year purchase needed.
You can find out more online on how to purchase insurance for a F2 visa or contact an agent for further information.