What are your plans for health insurance when you return to your home country? If you are a US citizen returning to the US to work, you can get your insurance through your employer. Most other countries have national health plans, so you are covered. But what if you are a US citizen retiring or taking a year or so sabbatical, and you don’t qualify for Medicare?
If you are not working, you need to purchase private health insurance. One option is under the Affordable Care Act (ACA) to access the HealthCare.gov exchange to look for a policy. You can also work with insurance brokers or contact insurance companies directly.
Another possible approach is to take a course from a university that offers health insurance policies for students. You then purchase your policy through the insurance provider of the university. I learned this from a corporate friend who retired to the US from Asia a few years ago. He wanted to take a course from the local state university when he noticed that by simply taking one 3-hour course per year, he could purchase health insurance for his family. I would like to know if this is prevalent in other locations, but it might be worth looking into in your location.
Disclaimer: I am not an insurance broker or an informed source for making health insurance decisions. This information is offered to support your research efforts.
