Health Insurance for Non-U.S. Citizens and Foreign Nationals

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

What is Health Insurance for Non-US Citizens?

Health insurance for non-US citizens is designed to provide medical coverage for individuals who are not American citizens but are living, working, or studying in the United States. This type of insurance is essential as healthcare in the U.S. can be very expensive without proper coverage.

Health Insurance For Non Us Citizens

Types of Health Insurance Available for Non-US Citizens

  1. Short-Term Health Insurance: Suitable for tourists, temporary workers, or students. It covers emergencies and short-term medical needs.
  2. Long-Term Health Insurance: Ideal for expatriates or immigrants planning to reside in the U.S. for an extended period. This covers a broader range of medical services.
  3. Student Health Insurance: Specifically for international students, often meeting the requirements of universities and visa programs.
  4. Travel Medical Insurance: Provides coverage for medical emergencies and health care needs while traveling. It’s a must-have for tourists and short-term visitors.
  5. Employer-Sponsored Health Insurance: Available if you are employed in the U.S. Employers may offer health insurance as part of the employment package.
Health Insurance For Non Residents

Comparison of Health Insurance Types for Non-US Citizens

Type of InsuranceBest ForCoverage FocusDuration
Short-Term HealthTourists, Temporary WorkersEmergencies, Short-term medical needsDays to 6 months
Long-Term HealthExpatriates, ImmigrantsComprehensive Medical Services6 months to multiple years
Student HealthInternational StudentsUniversity Requirements, Comprehensive Medical ServicesAcademic Year
Travel MedicalTourists, Short-term VisitorsMedical Emergencies, Travel-related issuesTrip Duration
Employer-SponsoredEmployed Non-CitizensComprehensive Medical ServicesAs long as employed

Key Features to Consider

  • Coverage Limit: The maximum amount the insurance will pay for medical services.
  • Premium: The amount you pay for the insurance policy, usually monthly.
  • Deductible: The amount you pay out-of-pocket before the insurance starts covering costs.
  • Co-payments: A fixed fee you pay for certain medical services, with the insurance covering the rest.
  • Exclusions: Certain medical services or conditions that are not covered by the policy.
Medical Insurance For Non Us Citizens


Choosing the right health insurance as a non-US citizen depends on your specific needs and duration of stay. Whether it’s for a short visit or long-term residence, understanding and selecting the appropriate insurance plan can ensure peace of mind during your time in the U.S. Contact us today for a free quote.

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Frequently Asked Questions

Who is an eligible noncitizen?

If you possess a Permanent Resident Card, you may be considered an eligible noncitizen as a U.S. permanent resident.

How long do you have to live in the U.S. to get Medicare?

To be eligible for Medicare, you must meet the following criteria: Be a U.S. resident and be 65 years of age or older. Additionally, you must be either a U.S. citizen or an alien who has lawfully resided in the United States for at least five years before applying for Medicare.

Who is not eligible for Medicare in the USA?

You are not eligible for Social Security or Medicare benefits if you have not worked enough in employment covered by these programs and do not qualify based on a spouse’s work history.

Can I use travel insurance as health insurance?

Travel insurance that has emergency medical benefits will only cover losses related to covered medical and dental emergencies and not for preventive, routine, or elective medical care. Please note that travel insurance is not the same as health insurance.

Can a non-U.S. citizen get Medicaid?

If you are a “qualified noncitizen,” you may be able to receive coverage through Medicaid and CHIP if you meet your state’s income and residency requirements. However, many qualified noncitizens must wait five years before becoming eligible for Medicaid and CHIP coverage. This waiting period is also known as the “five-year bar.”

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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