How to access healthcare in United States as an expat
Healthcare in United States: system type, insurance requirements, emergency numbers, and quality scores. Scroll to the overview table for a quick summary.
Moving to United States means understanding a new healthcare system. Whether public or private, knowing your options early prevents costly surprises.
Healthcare System Overview
| Indicator | Value |
|---|---|
| System Type | Insurance Based |
| Healthcare Quality Index | 79.2/100 |
| Spending per Capita | €12,080 |
| Life Expectancy | 77.4 years |
How the System Works
United States's healthcare system is classified as insurance based. This means all residents contribute to a mandatory health insurance scheme, either public or private. Employers typically share the cost of public insurance premiums.
Public vs Private Healthcare
Most countries offer both public and private healthcare options:
- Public healthcare: Available to all registered residents. May have waiting lists for non-urgent procedures. Typically lower cost but less choice of provider.
- Private healthcare: Shorter wait times, choice of specialist. Higher cost but often better facilities. Many expats choose private insurance for the first year.
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Emergency Numbers
| Service | Number |
|---|---|
| Universal Emergency | 911 |
| Ambulance | 911 |
| Police | 911 |
Save these numbers in your phone before arriving in United States. In EU countries, 112 works universally. In non-EU countries, learn the local numbers and keep them accessible.
Health Insurance for Expats
As an expat in United States, your insurance options typically include:
- Employer-sponsored insurance: If employed locally, your employer may enrol you in the public system or provide private coverage
- International health insurance: Global plans from providers like Cigna, Allianz, or Bupa — ideal for the first year or if you plan to move again
- Local private insurance: Often cheaper than international plans but may have language barriers in claims
- Public system enrolment: Available once you have a residence permit and employment
Healthcare Quality
With a healthcare quality index of 79.17/100, United States offers good healthcare by international standards.
Life expectancy in United States is 77.4 years, which is near the global average.
Government healthcare spending is approximately €12080 per capita per year.
Practical Tips
- Register immediately: Sign up for health insurance within your first week of arrival
- Bring medical records: Carry translated copies of your medical history, prescriptions, and vaccination records
- Find an English-speaking doctor: Expat communities and forums often maintain lists of English-speaking practitioners
- Prescription medications: Check if your regular medications are available and legal in United States. Bring a 3-month supply with a doctor's letter
- Dental care: Dental coverage varies widely — check what your insurance covers and consider supplemental dental insurance
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Get Your Free VerdictFrequently Asked Questions
What vaccinations do I need before moving to United States?
Check the WHO and your country's travel health advisory for recommended vaccinations for United States. Standard vaccines (MMR, tetanus, hepatitis A/B) are generally recommended. Some regions may require additional vaccines. Bring your vaccination records.
How does mental health care work in United States?
Mental health services in United States vary in availability and quality. Public sector waiting times for non-emergency mental health care can be long. Private psychologists and psychiatrists are available in urban areas. Check if your insurance covers mental health consultations.
Is maternity care covered for expats in United States?
Maternity care is typically covered under both public and private health insurance in United States. Coverage usually includes prenatal visits, delivery, and postnatal care. If planning a pregnancy, check your specific insurance policy for coverage details and any waiting periods.
How much does healthcare cost in United States?
Government healthcare spending is approximately €12080 per capita. Out-of-pocket costs depend on your insurance type and coverage. Private insurance premiums for expats typically range from €100-500 per month depending on age and coverage. GP visits, specialist consultations, and prescriptions may have co-payments.
What should I do in a medical emergency in United States?
Call the emergency number (911) immediately. In a life-threatening emergency, go directly to the nearest hospital emergency department. Carry your insurance card and a translated summary of any medical conditions or allergies. Hospital emergency departments cannot refuse treatment.