Hello, everyone.
I am a 25-year-old American study-abroad student living in Italy. I am slowly in the transition of finding a job in Italy or the EU after graduation. I don’t plan on moving back to the USA anytime soon but maybe in the future.
The issue:
I will turn 26 and I will no longer be on my parents’ insurance. I will try to visit the US next year for family things but I want to at least have emergency insurance for the amount of time I am there. I tried applying on healthcare gov for the special enrollment period but only got suggested some very expensive premiums that I can’t afford. Does anyone have any suggestions?
You don’t want anything from healthcare.gov unless you are moving back to the US permanently. Look up travel HEALTH insurance that will cover you in the US during your travel dates. All policies are different, but you will want to be sure you are covered for emergencies/catastrophic essentially if you were to end up hospitalized, god forbid.
For regular recurring prescriptions you should ask the GP in your home country in advance to fill enough to get you through your travel dates.
And remember, lots of people in the USA don’t have any insurance at all. If you need to go to urgent care or other unplanned but not super serious emergency doctor visit during your travel - just tell them you don’t have insurance and you will self-pay. It will be less than they’d bill insurance and shouldn’t be too bad $$$.