Health insurance options for expats and digital nomads: international plans, local coverage, medical tourism, and strategies to get better care for less money abroad.
More than 700,000 Americans collect Social Security checks from outside the United States. Almost none of them can use Medicare to pay for a single doctor’s visit. These are two entirely separate programs with two entirely different rules — and the gap between them has cost returning expats thousands of dollars in permanent premium surcharges…
A heart bypass surgery in the United States costs $123,000 on average. In India, the exact same procedure — performed by a cardiac surgeon trained at Johns Hopkins or Cleveland Clinic — costs $7,000. That’s not a rounding error. That’s $116,000 still in your pocket after airfare, hotel, and every recovery meal. Americans spent more…
I pay $120/month for private health insurance in Colombia. It covers doctor visits, specialists, hospitalization, and emergency care. The same level of coverage in the US would cost me $450-1,500/month — and that’s before the deductible, copays, and out-of-pocket maximums that make American healthcare the most expensive in the developed world. This isn’t an anomaly….
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