Health Insurance for Foreigners in the USA

Comprehensive coverage for expats, students, and workers in the United States

Understanding the U.S. Healthcare System

Healthcare in the United States is primarily privatized and can be extremely expensive without proper insurance coverage. Whether you're moving for work, studies, or retirement, having the right health insurance is essential.

The US healthcare system is complex, with costs that can quickly escalate. A simple emergency room visit can cost thousands of dollars, and major medical procedures can result in bills exceeding $100,000. Without insurance, these costs fall entirely on you.

AgoraExpat specializes in helping foreign nationals, expats, and international students navigate the American healthcare system. We offer comprehensive insurance solutions that meet visa requirements, provide access to quality care, and protect you from catastrophic medical expenses.

Find Your US Health Insurance Solution

Choose the coverage that matches your situation in the USA

Long-Term Expat Insurance

For professionals, retirees, and permanent residents staying 12+ months

Green Card & work visas
Comprehensive PPO networks
Pre-existing conditions

Explore Long-Term Plans

Short-Term Visitor Insurance

For tourists, business travelers, and temporary visitors under 12 months

Tourist & business visas
Emergency coverage
Fast activation

Explore Short-Stay Plans

Student Insurance (F1/J1)

For international students and exchange scholars with F1, J1, M1 visas

University compliant
Affordable student rates
Internship coverage

Explore Student Plans

Why You Need US Health Insurance

Visa Compliance

Many visas (F1, J1, J2) require proof of health insurance. Our plans meet all visa and university requirements.

Financial Protection

US healthcare costs are among the highest in the world. Insurance protects you from bills that could reach hundreds of thousands of dollars.

Quality Network Access

Access to extensive PPO networks with top hospitals and doctors across all 50 states.

Peace of Mind

Focus on your work, studies, or retirement without worrying about medical emergencies or routine care costs.

Common Situations We Cover

Tech Worker on H1B

Need: Comprehensive coverage between jobs or before employer insurance starts

Long-term expat insurance

International Student

Need: Affordable insurance that meets F1 visa and university requirements

Student insurance (F1/J1)

Visiting Parents

Need: Short-term coverage for elderly parents visiting from abroad

Visitor insurance

Common Questions About US Health Insurance

Yes, absolutely. Healthcare in the US is extremely expensive, and a single emergency can result in bills exceeding $50,000. Most visas also require proof of insurance, and many universities mandate coverage for students.

PPO plans offer more flexibility in choosing doctors and don't require referrals to see specialists. They're ideal for expats who want freedom to choose their healthcare providers. HMO plans are more restrictive but often less expensive.

Yes, our plans provide nationwide coverage across all 50 states. You can seek care anywhere in the US without worrying about being out of network.

It depends on the plan and visa type. Some plans offer pre-existing condition coverage after a waiting period. Contact us to discuss your specific situation and find the best option.

For most plans, coverage can start within 24-48 hours of approval. This is especially important for those needing immediate proof of insurance for visa applications.

Our plans include emergency coverage and urgent care visits. You can go to any in-network emergency room or urgent care center, and we provide 24/7 assistance to help you find care.

Ready to Secure Your US Health Insurance?

Get expert guidance and find the perfect plan for your situation

Get My Free Quote Schedule a Consultation