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U.S. Domestic Health Insurance

For U.S. citizens, local residents or returning residents to the United States, it is important to explore your options for domestic insurance. U.S. domestic health insurance provides coverage for medical expenses, accidents, and other risks associated with everyday life in the U.S. It can help you protect yourself from unexpected financial loss due to illness or injury.

Additionally, inquire about any additional services that may be included in a plan, such as vision and dental care, so that you can make an informed decision. Finally, consider speaking with an insurance professional to ensure you are making the right choice for your specific situation.

By taking the time to research your options, you can find the best domestic insurance plan to suit your needs and ensure that you are protected from unexpected financial loss.

Finding Insurance for Returning to the U.S.

When returning to the United States, you may need to purchase health and other types of insurance to provide adequate coverage. It is important to determine what type of coverage you will need and make sure it meets the requirements in your state before buying a plan. Depending on your circumstances, there are several options available for finding insurance when returning to the U.S.

If you are an expat returning to the U.S., there are several options for obtaining U.S. domestic health insurance coverage upon your return.

If you have maintained a health plan outside of the U.S., you may be able to find a plan in the U.S. with similar coverage; however, it’s unlikely that you will be able to transfer or continue to use your existing expat health insurance.

Friendly Global has researched the best insurance companies for expats, citizens, and residents returning to the U.S. We recommend U.S. domestic health insurance companies in each of the states for individuals returning stateside that need comprehensive health insurance coverage.

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Friendly Global helps you make an easier transition back into living or working in the U.S., by directing you to top-rated health insurance companies that offer affordable, U.S. domestic health insurance plans in each of the states.

  • Top-Rated, Reliable Insurance Companies
  • Health Insurance Plans In each of the 50 States
  • Options For Individuals & Their Families 
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Flexible Insurance Coverage When You Need It

Get U.S. domestic health insurance coverage when you return to the United States, without worrying about a lapse in coverage or having to pay for medical expenses out of pocket.

Find an insurance company and a plan that meets your needs and get health insurance coverage from the moment you sign up for your plan.

U.S. domestic health insurance plans differ from state to state, so it is important to research the options available in your area. All the insurance companies that we recommend offer U.S. domestic health insurance in each of the U.S. states.

Necessity of U.S. Domestic Health Insurance Coverage

Out-of-pocket medical expenses in the United States are among the highest in the world, beaten only by Switzerland and Malta. Without health insurance, even relatively minor injuries such as a broken bone or a simple surgery can cost thousands of dollars.

Unlike many other countries, the United States does not have socialized public healthcare and has very limited low-cost healthcare options for healthcare assistance. Publicly funded community hospitals are often very busy and unable to help many people due to a lack of resources. As a result, the cost of healthcare in the U.S. is very high. Most U.S. citizens and residents rely on employer company health insurance plans to share or offset the cost of coverage.

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In cases where an employer sponsored plan offers poor coverage, has high costs, or an individual’s work does not offer health insurance, they need to purchase U.S. domestic health insurance directly from a company or from the U.S. healthcare marketplace.

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Affordable Healthcare in the U.S.

In the United States, the Affordable Care Act of 2014 was intended to make insurance coverage more affordable for individuals that were uninsured or underinsured. However, the act merely sets standards for how health insurance is priced and structured, leaving it up to individuals to find and choose the insurance they want.

There are public health programs in the U.S. for senior citizens aged 65 and older, Medicare, and for individuals with limited income and resources, Medicaid. These programs do offer affordable health insurance, but for many medical conditions and procedures the coverage can be lacking.

Most individuals returning to the U.S. do not qualify for Medicare or Medicaid and will need to purchase health insurance to offset the potentially high cost of healthcare. Choosing a reputable U.S. domestic health insurance company with a plan that meets your needs can save you thousands to potentially hundreds of thousands in healthcare costs. The best way to ensure you have affordable healthcare in the U.S. is to choose a reliable health insurance company and select a plan that meets your needs.

U.S. Domestic Health Insurance Benefits

When selecting a U.S. domestic health insurance plan, it is important to consider both the cost and the type of coverage offered. Be sure to compare features such as deductibles, co-pays and coinsurance amounts between different plans in order to find the best coverage for your individual needs.

Most plans will cover medical bills after a certain deductible has been met, as well as other services such as vision and dental care. Depending on the plan you choose, there may be co-pays or additional out-of-pocket costs associated with each visit.

In addition, some plans may include coverage for prescription drugs, mental health services, and other forms of healthcare.

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U.S. Employer Insurance for Returning Employees

If your employees are returning to the U.S. for work, we provide the best recommendations for highly rated insurance companies that cover returning U.S. residents and citizens. Many employers offer group health insurance plans that provide coverage for employees and their family members but may not be offering the most advantageous plans at the best prices.

Friendly Global helps employers find U.S. domestic health insurance companies that offer a variety of health insurance coverage options at a variety of premiums to provide employees with the health insurance that works best for them.

Learn more about our top-rated health insurance companies for U.S. citizens and residents returning to the U.S. or contact one of our Friendly advisors to get personalized assistance.

Benefits Of International Health Coverage

International health insurance coverage gives you the advantage of being able to choose the doctor or hospital that administers medical treatment. It is an excellent option for travelers, students, retirees, digital nomads, and anyone else who plans to live outside of their home country for a year or longer.

International health insurance is considered comprehensive, not only because the policy will cover the cost of your doctor visits when you need unexpected medical care, but also because it covers regular care visits necessary to maintain your health to ensure you stay well.

Comprehensive medical insurance plans may also offer prescription drug coverage, maternity care, dental, and vision, among other health care benefits. Depending on which company and plan you select, many health care benefits are included in the base plan of comprehensive coverage insurance, while on other plans with less coverage they might be considered add-ons that require an additional premium.

It’s important to keep in mind that if you are buying international health insurance, you would also need to get Travel Insurance separately against unforeseen travel related events such as trip cancellation, trip interruption, and lost luggage.


Most Medical Expenses






Medication Coverage


Doctor Visits


Preventative Care

International Health: Answers to Your Questions

From helping you learn about international health insurance to providing answers to the most common insurance questions, Friendly Global is a leading resource when it comes to learning about international insurance. Get answers to some of the most frequently asked questions.

Yes. The truth is many health insurance plans do not cover medical care in foreign countries, leaving travelers and global nomads exposed to high healthcare costs when they are outside of their home country. International health insurance offers coverage to ensure that you can get the same level of healthcare or better than what you are accustomed to at home.

We think international health insurance is absolutely worth the cost. While you may be tempted to forgo international health insurance while traveling or relocating abroad, leaving yourself exposed to potentially high costs of care and a lack of coverage is a recipe for disaster. Anyone with pre-existing health problems, families with young children, older adults, and anyone who values their health should consider getting a international health insurance plan.

Contrary to what you might think, there are plenty of affordable international health insurance plans available. You don’t need to break the bank to find a plan that meets your needs. We recommend several international health plans from trusted companies that don’t compromise coverage for savings. To learn more about getting an international health plan that fits your budget, please use this link to answer some questions so we can generate a comparison chart for you to choose the company and buy international insurance.

While there is not one-single “best” plan for everyone, there are many different international health plans to choose from–one of which is likely the best plan for you. We’ve researched thousands of international insurance companies and plans to find the best coverage at the best price, backed by insurance companies that we know to be reliable. Some plans provide add-on benefits, while others provide more straightforward coverage at a reasonable cost. To find the best international health plan for you, please use this link to answer some questions so we can generate a comparison chart for you to choose the company and buy international insurance.

The truth is, there is no single cost for international health insurance. Each person, travel situation, and country contribute to the cost of insurance. Costs vary by country of origin, country you plan to stay in, and degree of risk. We will provide starting pricing for various trusted companies alongside the benefits they offer for you to choose the company and buy a plan that suits your needs. Insurance costs, also known as premiums, are based on a policyholder’s area of coverage, age, medical history, policy deductible, and the coverage selected.