Can Foreigners Buy Health Insurance in the U.S.? (2025)
If you’re a foreigner living in or traveling to the U.S., health insurance can be confusing — but it’s also essential. Medical costs in the U.S. are among the highest in the world. Whether you're an expat, student, tourist, or new immigrant, this guide will help you understand your options in 2025.
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Who Counts as a "Foreigner" in the U.S.?
- International tourists
- Foreign students (F1, J1 visa holders)
- Work visa holders (H1B, O1, etc.)
- Green card applicants and dependents
- Digital nomads or remote workers
Why Do Foreigners Need Insurance in the U.S.?
- U.S. healthcare is expensive (ER visits can cost $2,000+)
- Some visa applications (like J1) require proof of coverage
- Without insurance, many providers won’t accept non-emergency patients
- Unexpected illness or injury could lead to major debt
Types of Health Insurance for Foreigners
- Short-Term Visitor Insurance: Valid for a few days to 1 year. Covers emergencies and hospital visits. Affordable but limited.
- Expat Health Insurance: For long-term stays. Offers comprehensive care including checkups. Offered by Cigna, IMG, GeoBlue.
- ACA Marketplace Plans (Limited): Available to green card holders under some conditions. May qualify for subsidies.
- Employer-Sponsored Insurance: Best if working with a U.S. company. Usually high-quality with shared premium costs.
Key Considerations When Choosing a Plan
- What’s your visa type & stay duration?
- Do you need coverage for pre-existing conditions?
- Are you traveling between countries?
- Do you need access to U.S. pharmacies or specialists?
Real Example
Maria from Spain arrived on a student visa. She bought a school-based plan for $1,400/year. After breaking her wrist, her $7,800 bill was reduced to $900 — saving her over $6,800.
Pro Tips
- Compare plans using trusted providers (e.g., VisitorsCoverage.com, IMG)
- Always read what’s excluded (maternity, mental health, pre-existing conditions)
- Print your insurance ID card — many clinics require it before treatment
- Consider adding “repatriation” and “evacuation” coverage
Final Thoughts
Health insurance may not be required for every foreign visitor — but it’s strongly recommended. In the U.S., even a minor emergency can lead to massive expenses. Protect yourself, your trip, and your future with the right coverage.
Meta Description: Can foreigners buy health insurance in the U.S. in 2025? Yes — here’s a complete guide for expats, tourists, students, and remote workers looking for affordable medical coverage.
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