Most policies for the foreign scholar requires the J1 visa holder be the primary on the policy. Furthermore, the J2 or spouse often has reduced benefits AND higher cost of the plan. There is one policy, however which can be purchased by the J2 dependent as long as the J1 scholar is being covered by their institution. That policy is called Patriot Exchange and is offered by International Medical Group (IMG).
The Patriot Exchange is a very economical policy with many excellent benefits. One advantage of the policy is that if the insured has access to a health center, they only pay a $5 copay (instead of the usual $100 deductible). As a copay, this is payable at EACH visit, however, even several visits will be cheaper than the $100 deductible. A disadvantage to the policy is that there is no maternity coverage and no coverage for pre-existing conditions. For more details on Patriot Exchange, including brochure and pricing, please check these links: