Here’s a clear, informative article draft for you on U.S. health insurance if you live abroad:
Can You Keep U.S. Health Insurance If You Live Abroad?
Living abroad is an exciting experience, but it also raises important questions about healthcare. One of the most common concerns for Americans moving overseas is: “Can I still use my U.S. health insurance while living abroad?”
1. Does U.S. Health Insurance Work Abroad?
Most U.S. health insurance plans—including employer-based, Marketplace (ACA), or Medicaid—provide little to no coverage outside the United States. Some plans may cover emergency care abroad, but routine doctor visits, prescriptions, or hospital stays are usually not included.
- Employer Insurance: Some large employers with international branches may offer global coverage. Always check with HR.
- ACA Marketplace Plans: These generally only cover care in the U.S. and U.S. territories.
- Medicare & Medicaid: Medicare does not cover you outside the U.S. Medicaid also only works within your home state.
2. Travel Insurance vs. Expat Health Insurance
- Travel Insurance: Best for short trips (weeks to a few months). Covers emergencies, accidents, and sometimes medical evacuation.
- Expat Health Insurance: Designed for Americans living abroad long-term. Covers hospitalization, routine checkups, maternity, and prescriptions. Accepted internationally.
3. What About U.S. Care While Visiting Home?
If you keep your U.S. address and pay premiums, you can usually use your U.S. insurance when you return for visits. However, if you cancel coverage, you may need to reapply later, and costs could be higher.
4. Smart Options for Americans Living Abroad
- International Health Insurance (Expat Plans): Providers like Cigna Global, Allianz, and IMG specialize in coverage abroad.
- Local Health Insurance: Many countries offer affordable local health insurance or even public healthcare for residents.
- Combination Plan: Some expats keep a minimal U.S. plan (for visits back home) and buy international coverage for daily needs abroad.
5. Key Takeaways
- Standard U.S. health insurance does not fully cover medical care abroad.
- For short stays, travel insurance is enough.
- For long-term living overseas, consider international or local health insurance.
- Review your options carefully before canceling U.S. coverage, especially if you plan to return.
✅ Bottom Line: If you’re moving abroad, don’t rely solely on your U.S. health insurance. Instead, explore international or local health insurance to ensure you’re protected wherever you live.
Would you like me to also make a list of the best international health insurance providers (2025) so the article feels more complete and practical?