Last updated on 17 minutes ago
Travelers planning visits to the United States—whether for tourism, business, study, or temporary work—must now prepare for enhanced scrutiny under a new visa policy announced on November 7, 2025. The U.S. Department of State has expanded the “public charge” rule to place greater emphasis on applicants’ health conditions and financial capacity to cover medical expenses. This applies not only to immigrant visas but also to non-immigrant categories, including B-1/B-2 tourist visas.
Key Elements of the New Policy
The updated guidance directs consular officers to evaluate whether an applicant’s health profile could lead to significant medical costs in the U.S.—even during a short stay—and whether the individual has sufficient resources to cover such expenses without relying on public funds.
Conditions under particular review include:
- Diabetes and metabolic disorders
- Obesity (especially when linked to comorbidities such as hypertension or sleep apnea)
- Cardiovascular and respiratory diseases
- Cancer, neurological disorders, and mental health conditions
Officers are instructed to assess the applicant’s ability to self-fund care “for the entire expected lifespan,” a standard historically applied to immigrants but now extended in practice to temporary visitors. Dependents are also factored in: a spouse’s or child’s health needs may influence the decision if they could impact the applicant’s financial stability or employment.
The policy aims to protect U.S. healthcare resources, with officials citing over $35 billion in annual costs associated with uninsured individuals. Immigration analysts note this builds on 2018-era rules but with broader application and heightened predictive judgment.
Impact on Applicants
Early reports indicate immediate effects:
- A New Delhi couple was denied a B-2 visa due to the wife’s controlled diabetes; approval followed only after submitting proof of $100,000 in medical coverage.
- An H-1B applicant in Bengaluru faced delays because of a parent’s prior cancer diagnosis, despite the parent not traveling.
- Online communities report denials linked to BMI levels as low as 28, even with documented fitness regimens.
In India, where non-communicable diseases affect approximately 65% of adults, the policy disproportionately impacts a large applicant pool. Travel industry estimates suggest a potential 15–20% decline in Indian tourist visa issuances in early 2026.
How to Strengthen Your Application
- Complete the Medical Examination (Form I-693) Schedule with a USCIS-approved panel physician well in advance. Include:
- Recent diagnostic reports confirming stability (e.g., HbA1c < 7.0 for diabetes)
- Specialist statements affirming no anticipated need for U.S.-based care
- Demonstrate Financial Self-Sufficiency
- Provide bank statements showing funds 3–5 times the estimated trip cost
- Secure travel health insurance with at least $100,000 in medical coverage, explicitly listing pre-existing conditions
- Include employer letters confirming job security and return obligations
- Address Dependents Proactively Submit health summaries for family members and a clear plan for managing their care remotely (e.g., established physicians in the home country).
- Prepare for the Consular Interview Practice concise responses: “My condition is well-managed with medication; I maintain a dedicated emergency fund and comprehensive insurance.” Emphasize strong ties to your home country—property, employment, and family obligations—to counter overstayer concerns.
Broader Implications
While the policy seeks fiscal prudence, critics argue it introduces speculative bias and may deter skilled professionals and legitimate tourists alike. Legal challenges are anticipated, with advocacy organizations preparing arguments on equity and due process grounds.
Applicants are strongly encouraged to consult qualified immigration counsel for case-specific guidance.
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