What Happens if I Return to the US After Living Abroad?

This guide is general information only. Health insurance rules, visa requirements and underwriting decisions can change, so always check current requirements before applying.

What expats need to know

Returning to the United States after living abroad can create a health insurance transition problem. Your international policy may include or exclude treatment in the US depending on the area of cover. Even where temporary US visits are included, that is not necessarily the same as full cover once you become resident again.

The US healthcare system is expensive, so you should plan the transition before your return date. If you are returning for employment, check when the employer plan begins and whether there is a waiting period. If you are self-employed, retiring or between jobs, you may need to arrange domestic US insurance separately.

Review your expat policy carefully. Does it allow US treatment? Is it emergency-only? Does it apply only to short visits? Does the insurer need to be notified when you move back? Will the policy remain appropriate once your country of residence changes?

Avoid cancelling international cover until you know when US domestic cover starts and whether any gap exists. Also check dependants, prescriptions, ongoing treatment and any planned medical appointments around the move date.

ExpatInsure helps Americans abroad compare international cover before and during relocation, but domestic US insurance needs should be checked with suitable local providers. For more transition checklists, follow ExpatInsure on Facebook and visit r/expathealthinsurance.

Compare expat health insurance before you buy

Every destination, medical history and family situation is different. ExpatInsure can help you compare international health insurance options, understand the wording and avoid choosing on price alone. Start your quote or book a call before making a decision.

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