Medical insurance for spouse of students on F2 and J2 visa is a mandatory requirement. If you are studying in United States and are married then you might want your spouse to join you in United States. If you have F1 visa then your spouse will get F2 visa and if you have J1 visa then your spouse will be issued with J2 visa.
Along with the other requirements of getting a visa for student’s spouse you must have medical insurance for the time your spouse stay with you in United States. When you get your visa you are obligated to get insurance to cover your spouse medical expenses. There are no checks to whether you actually have insurance or not however it is recommended to get it. If at any stage they find out that your spouse doesn’t have medical insurance they can depot you as well. I saw people spending their whole stay without insurance however this can create problem as well and a risk that should not be taken.
Cost of Medical insurance for spouse of students on F2 and J2 visa:
It is indeed very costly to get comprehensive insurance with all options specially if the spouse is female. Medical insurance at child bearing age is quite expensive because they assume you can have a child anytime and after getting an insurance you are still not covered for pregnancy for 12 or more months depending upon the insurance you have. The insurance can cost around $200 – $350 depending upon the plan and features.
Cheap option for Medical insurance for spouse of students on F2 and J2 visa:
If you want the cheapest option available for your spouse then you have buy any travel insurance that can cost around $60 per month on average. It completes the requirement of having an insurance but if you have to visit the hospital with this insurance everything gets extremely expensive as only a fraction of expenses are covered with this insurance. Also such insurance doesn’t cover pregnancy related issues.
One of a famous insurance that most of the students I know used for their wives was seven corners.