Choosing the right health insurance in the United States

(Partner Article) How to make sure in the USA? How to find health insurance adapted to your needs and your budget? These questions frighten many French even before they have examined the many offers on the US market.

To find your bearings, it is essential to understand the types of insurance that exist to move towards an offer that meets its expectations and needs.

AgoraExpat, insurance broker for expatriates, based in New York for more than 20 years, puts to your advantage its knowledge of the market to find the offer best suited to your situation.

There are two main types of insurance offered to expatriates in the United States:

– the "Obamacare" or ACA plan (Affordable Care Act)
– "expatriate" or IMPI contracts (International Private Medical Insurance)

These two types of contracts can be subscribed in addition to the CFE (Caisse des Français from abroad) for French members who wish it.

Some practical examples:
– If I am young and in good health, I will have any interest to move towards an expatriate type contract which will have a lower price.

– If I have a history of heart problems, it will be more advantageous for me to turn to an Obamacare contract to avoid any exclusion or surcharge.

– If I move to the US with my family and wish to have another child, an Obamacare contract will be less expensive and less burdensome due to the absence of a maternity guarantee period.

The wide variety of health insurance offers may seem scary, but it allows everyone to find adequate coverage, provided they know how to identify their needs.

At AgoraExpat, we put our expertise at the service of our clients to determine with them the type of coverage that suits them according to their financial and family situation and their state of health.

Feel free to request a quote online or contact AgoraExpat directly for free personalized advice:

Eric THOBY
France: +33 (0) 9 77 21 99 60
US: +1 (917) 684-3599
(Email protected)

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