Travel insurance for US citizen living abroad visiting US for 5 months [closed]

I am a US citizen living in Korea since 2007. I will be visiting the US for five months, then returning to Korea. How do I find travel insurance for the period I am in the US?

This question, Health insurance for American living abroad visiting the USA, seems similar but the insurance I need is slightly different:

high-deductible
general coverage
more long-term (I have found travel insurance that would cover me for up to 45 days.)

My main concern is unforeseen medical care that would be too costly for me to pay for.

It seems most travel insurance companies exclude US citizens visiting the US to avoid legal complexity:

... a US Citizen inside the USA is the domain of domestic insurance, which can be a regulatory nightmare for insurance companies, and thus they simple opt not to get involved.

Two things I am currently investigating are:

global insurance plans that include the US
travel insurance from Korean companies

I would be willing to get domestic US health insurance, but most plans require a minimum period of residency before I am eligible.

Best Answer

If you consider yourself to be moving from a foreign country to the US, you are eligible for "special enrollment period" treatment under the ACA, and can buy health insurance as described on healthcare.gov. You have to show proof that your are moving from a foreign country to the US, and that you already had coverage in the foreign country, and the coverage can only take effect on the first day of a month. However, there is no "minimum period of residency" before you are eligible. You can call the phone number given on healthcare.gov for further guidance.

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Can I use travel insurance if I live abroad?

If you currently live overseas, even if you plan to return to your original home country in future, you can buy cover in the same way as a permanent resident.

Can visitors to the U.S. get insurance?

Most travelers are unaware of how expensive medical care is in the United States. Visit USA-HealthCare is a beneficial travel medical insurance plan that can provide illness and accident expense protection, and it can pay for covered treatment during your visit to the U.S.

Is travel insurance mandatory for U.S. in 2021?

The short answer is no. Purchasing travel insurance is not mandatory for entering the United States as a tourist on a B1/B2 visa. There are currently no U.S. travel insurance requirements for tourists.

Does U.S. citizen need travel insurance?

American citizens should recognize that Medicare or domestic health insurance will usually not cover you while traveling abroad. This is why the U.S. Department of State recommends obtaining international travel insurance.

Medical insurance in usa for international visitors aur tourists | types of insurance

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