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Understanding health insurance in the United States

The US healthcare system is recognized as one of the best in the world. However, it is characterized by particularly high costs and the absence of universal coverage. A simple visit to the doctor can quickly cost several hundred dollars, and hospitalization can run into five figures. For French expatriates in the U.S., or those planning to move there, understanding the healthcare system is important. To avoid unpleasant surprises, subscribe to a mutual health insurance plan adapted to your needs and those of your family. An international or local health insurance plan is essential to guarantee optimum protection in the event of unforeseen health problems.

Understanding the American healthcare system: an expensive and complicated challenge

In the United States, there is no universal social security system like in France. Access to healthcare relies mainly on private health insurance. While employers with more than 50 employees are obliged to offer health coverage to employees working more than 30 hours a week, the guarantees offered by these mutual insurance companies can vary enormously from one company to another. It is often essential to subscribe to a complementary health insurance plan despite the one offered by your employer.

What type of health insurance should I choose?

Each solution has its own advantages and disadvantages, depending on your needs and situation. Using an international health insurance broker, such as Santexpat.fr, allows you to compare all the offers available on the market, while benefiting from the advice of international health experts. As an expatriate in the U.S., there are two health insurance solutions available to cover your expenses.

1. International health insurance: This is the ideal option for French expatriates who travel regularly or who regularly return to France. International health insurance generally offers extensive cover, tailored to the needs of French expatriates. They are sometimes more expensive than local solutions, because they are more comprehensive. They cover you from the very first euro you spend.
2. Local health insurance: Taken out directly in the U.S., this option is often more affordable than international health insurance. It may also include constraints, such as the obligation to consult healthcare professionals belonging to partner networks. They often include co-payments or out-of-pocket payments.

Criteria for choosing a health insurance plan in the USA

Taking the time to assess your specific needs will help you choose a health insurance plan that’s right for you. In fact, there are a number of points to bear in mind when choosing health cover for your trip to the USA.

• Check the scope of coverage: Make sure that the insurance includes all essential care, such as medical consultations and hospitalization. Also check any optional care you may need, such as dental, optical and maternity care.
• Evaluate the network of providers: Some insurers limit reimbursements to certain healthcare professionals and hospitals. So check whether the insurance you’ve chosen offers a network of doctors and hospitals near you. Some insurers don’t impose networks, but you’ll have to pay in advance.
• Analyze costs and deductibles: Cost is often an important factor in choosing health insurance in the USA. When choosing an international health insurance plan, you can opt for coverage from the first euro, or as a complement to the CFE. In all cases, you won’t have to pay a deductible (the amount you have to pay before the insurance takes over) or co-payments (the amount you have to pay yourself).
• Make sure you comply with local regulations: Check that the insurance you have chosen complies with local regulations, particularly those relating to Obamacare. Although the obligation to take out insurance has been abolished at federal level in 2019, some states continue to impose this rule. Santexpat.fr can help you comply with the regulations in the USA.

Health insurance in the USA

The complex and costly American healthcare system can quickly become a headache for French expatriates. To avoid unpleasant surprises, it’s important to choose a health insurance plan tailored to your needs. Take the time to analyze the options available, checking the scope of coverage, associated costs and local regulations. This will enable you to enjoy your stay in the United States with complete peace of mind.