@Mike ********
actually if you get an O-A visa at your consulate before you come you need BOTH the
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health insurance and the covid insurance for a year <- the length of time you're getting stamped into the country for
IF you get a 90 day Non-O visa at your consulate before you come you need both those policies for 90 days <-again, the length of time you're coming in for
AND you are correct,
IF you come in visa exempt or on a tourist visa entry you only need the covid insurance for the time you'll get stamped in for.