Guide
Healthcare for Americans living abroad
Most countries Americans move to have better, cheaper healthcare than the US. The tricky part is the transition period — you usually need private insurance before you're a legal resident and eligible for public coverage.
The three tiers
Public system (after you're a resident and have paid in), private national insurance (a few hundred euros a month, accepted at private hospitals), and international expat insurance (more expensive, but follows you across borders and back to the US for visits).
What most visas require
Almost every long-stay visa requires proof of private health insurance valid in the destination country for at least one year, with no co-pay and a high coverage ceiling. Travel insurance does not qualify. Plan on $50–200/month for an under-50, healthy applicant; more for older applicants and dependents.
Common pitfalls
Pre-existing conditions are often excluded for the first 6–12 months on private plans. Maternity coverage usually has a 10–12 month waiting period. Mental-health coverage varies enormously. Read the exclusion list, not the marketing page.
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