If you’re an EU citizen planning a move to the United States—whether for work, studies, or an extended stay—one of the biggest questions you’ll face is: “How much does health insurance cost in the USA?”
Unlike most European countries, where universal or government-subsidized healthcare is the norm, the American insurance system is largely private. That means health coverage isn’t automatically provided, and costs can vary widely depending on your visa status, state of residence, age, and type of coverage.
This guide breaks down health insurance costs in the USA for Europeans, while also covering related topics like US life insurance, travel insurance USA, and car insurance USA—so you’ll have the complete picture of what to expect.
Let’s dive in.
Why EU Citizens Need Health Insurance in the USA
High Cost of Healthcare
In countries like Germany, France, or the UK, healthcare is either free at the point of use or heavily subsidized. In the U.S., however, even a short emergency room visit can cost over $1,000. A hospital stay may run into tens of thousands of dollars.
Visa and Residency Requirements
Some U.S. visa categories require proof of insurance. For example, J-1 exchange visitors and F-1 international students must show that they have US health insurance before entering the country.
Peace of Mind
Having USA Insurance ensures you’re covered for unexpected medical expenses, routine doctor visits, and prescription drugs. Without it, you risk enormous bills that could derail your financial plans.
Average Cost of Health Insurance in the USA for Europeans
Individual Coverage
For 2025, the average monthly premium for individual US health insurance is around $450 – $600 for adults under 40. Prices increase with age, often reaching $700 – $900 per month for those in their 50s or 60s.
Family Coverage
If you’re moving with your family, expect costs of $1,200 – $1,800 per month for a family of four. Some plans can go even higher, depending on coverage and deductible levels.
Travel or Short-Term Insurance
For EU citizens visiting the U.S. for a few weeks or months, US travel insurance is more affordable. Policies typically range from $40 – $100 per trip, depending on duration, medical coverage limits, and traveler age.
Employer-Sponsored Coverage
If you’re moving for work, your American employer may provide health insurance. On average, employers cover 70%–80% of the premium, leaving you with a much smaller monthly cost (around $150 – $300).
What Affects the Cost of US Health Insurance for Europeans
1. Age
The older you are, the higher your premiums. Insurers consider older policyholders higher-risk.
2. State of Residence
Each state has different rules, networks, and average pricing. For instance, California and New York are among the most expensive, while Texas or Florida may offer lower premiums.
3. Plan Type
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Bronze Plans (lowest premium, highest out-of-pocket costs)
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Silver Plans (balanced option)
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Gold & Platinum Plans (higher premium, lower deductibles)
4. Coverage Provider
Major providers like Cigna, Blue Cross Blue Shield, UnitedHealthcare, and Aetna have varying pricing structures.
Types of USA Insurance Europeans Should Consider
1. US Health Insurance
The most important coverage for EU citizens. Options include:
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Employer-sponsored plans
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Marketplace ACA plans
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Private insurers
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International health insurance for expats
2. US Life Insurance
For Europeans with families, Best USA Life Insurance for Foreigners ensures financial security. Term and whole life options are available, with premiums depending on age and health history.
3. US Travel Insurance
Perfect for EU tourists on short visits. Policies cover medical emergencies, trip cancellations, and lost baggage. Travel Insurance USA for European Tourists is typically affordable and can be purchased online before departure.
4. Car Insurance USA
If you plan to drive in the U.S., car insurance is mandatory. Premiums vary by state but average $120 – $180 per month. Europeans should look for Cheapest US Car Insurance for EU Drivers by comparing quotes.
Comparing US vs European Insurance Systems
| Europe | USA |
|---|---|
| Universal or national coverage | Private insurance dominates |
| Low out-of-pocket expenses | High deductibles & co-pays |
| Government-regulated pricing | Market-driven, varies by provider |
| Automatic enrollment | Must actively apply and maintain coverage |
This difference is why many expats experience “sticker shock” when first researching American insurance.
Best US Insurance Providers for EU Residents
Here are some recommended providers for USA Insurance for Europeans:
1. Cigna Global
Excellent for expats, offering customizable international plans.
2. Blue Cross Blue Shield (BCBS)
Huge hospital network across all U.S. states.
3. Aetna International
Strong for long-term EU residents in the U.S.
4. Allianz Care
Trusted for combining travel and health coverage.
5. UnitedHealthcare
Comprehensive plans with additional dental and vision options.
How to Get US Insurance from Europe
If you’re still in Europe, here’s how to secure coverage before arriving:
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Research Online – Look up How to Apply for US Health Insurance from Europe to compare international providers.
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Check Visa Requirements – Make sure your chosen plan meets U.S. immigration needs.
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Use Brokers – Insurance brokers specialize in helping foreigners secure policies.
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Buy Temporary Coverage – Start with short-term travel insurance, then upgrade once you’re settled.
Cost Estimates by Insurance Type
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US Health Insurance (Individual): $450 – $900/month
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US Health Insurance (Family): $1,200 – $1,800/month
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US Travel Insurance: $40 – $100/trip
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US Life Insurance: $30 – $80/month (for young adults)
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Car Insurance USA: $120 – $180/month (varies by state)
Country-Specific Tips for Europeans
US Insurance Guide for UK Expats
Brits used to the NHS will find American coverage more expensive. Focus on international expat plans before switching to domestic options.
US Insurance Guide for German Expats
Germany’s Krankenkasse system is very different from U.S. private coverage. Prioritize comprehensive plans with good hospital networks.
US Insurance Guide for French Expats
French expats may want to combine international health plans with American add-ons for smooth coverage transitions.
Tips for Reducing Costs
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Bundle Insurance Policies (health + life + car) for discounts.
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Choose Higher Deductibles to lower monthly premiums.
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Use Preventive Care Benefits included in many ACA plans.
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Compare Multiple Providers before purchasing.
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Check if EU Insurers Have US Partnerships (some do).
Final Thoughts
So, how much does health insurance cost in the USA for EU citizens? On average, you’re looking at $450 – $900 per month for individuals and up to $1,800 per month for families. Add in US travel insurance, car insurance USA, or even US life insurance, and your total costs depend on your lifestyle and stay duration.
While more expensive than in Europe, having proper American insurance is non-negotiable. It ensures access to quality care, financial safety, and peace of mind while you’re building your new life in the U.S.
By planning ahead and comparing providers, you can secure the best US insurance for EU residents at a cost that fits your budget.
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