Best Health Insurance in USA for Foreigners – Complete Guide (2025)

The United States has one of the most advanced healthcare systems in the world. But it's also among the most expensive. For foreigners—including tourists, international students, temporary workers, and immigrants—getting the right health insurance in the USA is not just a wise move, it’s a financial necessity.

Why Do Foreigners Need Health Insurance in the USA?

Healthcare in the USA is expensive. A short emergency room visit may cost over $1,000, and surgeries or hospitalization can run into tens of thousands. Without insurance, you will have to pay the full amount out of pocket. Health insurance helps avoid financial risk while giving access to quality medical care.

What to Look for in a Health Insurance Plan for Foreigners

• Emergency medical expenses
• Doctor visits & hospitalization
• Prescription drug coverage
• COVID-19 coverage (optional but recommended)
• Medical evacuation & repatriation
• Access to PPO networks (e.g., Aetna, UnitedHealthcare)

Top 5 Health Insurance Providers for Foreigners in the USA

1. VisitorsCoverage

One of the largest online platforms for travel and visitor insurance in the USA. Offers flexible plans such as Atlas America, Safe Travels USA, and Patriot America Plus.
Best for: Tourists and short-term visitors

2. IMG Global (International Medical Group)

Popular for global and U.S. travel insurance. Their Patriot Travel Medical Insurance is ideal for temporary foreign visitors.
Best for: Frequent travelers and business professionals

3. Insubuy

Easy-to-use online portal to compare multiple international insurance providers. Perfect for students, workers, and visitors.
Best for: Quick comparisons and affordable options

4. GeoBlue

Affiliated with Blue Cross Blue Shield, this provider offers high-quality health insurance with global access. Their Voyager and Xplorer plans are widely trusted.
Best for: Expats and long-term visitors

5. Tokio Marine HCC (Atlas Travel)

Their Atlas Travel insurance is ideal for temporary travelers and covers emergency services, hospitalization, and even COVID-19.
Best for: Budget travelers, students, and digital nomads

Best Student Health Insurance in the USA

If you are studying in the USA on an F1 or J1 visa, many universities offer their own insurance. If not, you can explore:

• Student Secure by HCC
• ISO Health Insurance
• Compass Student Insurance by IMG

These plans cover campus health centers, hospitals, emergency visits, and more.

Is Health Insurance Mandatory for Foreigners?

Not always, but highly recommended.

• J1 visa holders (exchange visitors) are required to have insurance.
• F1 students may need proof of coverage for university enrollment.
• Tourists on B1/B2 visas are not required by law, but medical care without insurance is extremely expensive.

Average Cost of Health Insurance for Foreigners in USA

Important Tips Before Buying

• Know your visa type (F1, J1, B1/B2)
• Check for COVID-19 coverage
• Compare deductibles and co-pays
• Choose plans with 24/7 support and mobile apps
• Ensure the insurer is reputable and registered in the U.S.

Final Thoughts

Health insurance isn’t optional if you’re planning a stay in the U.S. Medical costs can be life-changing, and a good insurance plan can offer peace of mind. Whether you're visiting for a few weeks or moving for studies or work, choose a policy that fits your visa, budget, and medical needs.

Disclaimer

This article is for informational purposes only. Please consult a licensed insurance agent or company before buying any insurance product. We do not endorse any brand or plan directly.