Moving to the USA? Don’t Overlook Health Insurance 🇬🇧➡️🇺🇸
One of the biggest shocks for many Brits moving to America is just how expensive the US healthcare system can be.
Even a simple urgent care visit or unexpected emergency can cost far more than most people expect — especially during those first weeks or months after arriving.
When I moved to the US, I quickly realised that healthcare works very differently here compared to the UK, and having the right coverage in place can make a huge difference financially and emotionally.
One thing I underestimated when moving abroad was how different healthcare systems can feel when you’re trying to figure everything out at the same time.
In this guide, I’ll walk through:
- What UK expats need to know about US healthcare
- Why travel health insurance matters when moving abroad
- And the option I recommend for flexible international coverage
Who This Guide Is For
This guide is helpful if you are:
- Moving from the UK to the USA (don’t forget to check our moving checklist)
- Waiting for employer healthcare to begin
- Traveling between countries frequently
- A digital nomad or remote worker
- Looking for flexible international coverage
Why Healthcare Costs Surprise So Many Brits
If you’ve grown up using the NHS, the US healthcare system can feel overwhelming at first.
Many newcomers are surprised by:
- Emergency room costs
- Insurance deductibles
- Out-of-network charges
- Lack of universal coverage
Even short gaps in coverage can become very expensive. That’s why many expats choose temporary international coverage while getting settled in the US. If you’re still in the planning phase, make sure you have your finances in order with our banking guide.
Why UK NHS Coverage Isn’t Enough in the USA
The NHS does not cover you once you become a non-resident in the UK, and US healthcare is entirely private.
This creates a gap where many new movers find themselves:
- Uninsured during the transition period
- Paying high out-of-pocket medical costs
- Confused about US insurance systems
- Unable to access care without proof of coverage
Even if you plan to get a US employer plan later, you still need coverage during your move and settling-in period. For managing your initial expenses and transfers, I recommend reading our Wise article on money transfers.
Why I Recommend SafetyWing for UK Expats
What stands out most about SafetyWing is how simple and flexible it is compared to traditional insurance options.
For many people moving abroad, plans can change quickly — especially during relocations, visa transitions, or long-term travel. SafetyWing is designed around that kind of international lifestyle, which is why it’s become popular with expats and digital nomads.
Quick Comparison: SafetyWing vs. Traditional Insurance
| Feature | SafetyWing | Traditional Travel Insurance |
|---|---|---|
| Monthly flexibility | ✅ | ❌ |
| Designed for expats | ✅ | Sometimes |
| Long-term travel friendly | ✅ | Limited |
Some reasons it’s worth considering:
- Flexible monthly coverage
- Designed for international travel and living
- Easy online setup
- Coverage across multiple countries
What SafetyWing Covers
Coverage typically includes:
- Emergency medical treatment
- Hospital stays
- Some doctor visits
- Emergency evacuation
- Travel delays and interruptions (depending on plan)
It’s not meant to replace long-term comprehensive US health insurance, but it is ideal for the transition period or for flexible living situations. For other items you’ll need once you land, check out our essentials page.
When You Should Use SafetyWing
SafetyWing is especially useful if you are:
✔ Moving to the USA but not yet insured
You need immediate coverage while you settle in.
✔ Waiting for US employer insurance
Many plans have waiting periods before coverage begins.
✔ A digital nomad or remote worker
You may move between countries frequently.
✔ Visiting family or traveling during your move
You stay covered across borders.
How to Set It Up Before You Move
- Sign up before leaving the UK
This ensures you are covered from day one abroad. - Choose your coverage start date
Align it with your travel date. - Keep documentation ready
You may need proof of insurance for visas or entry requirements. - Combine with future US insurance
Once settled, you can switch to a long-term US plan if needed.
Common Mistakes to Avoid
❌ Arriving in the US without coverage
This is risky and expensive if something happens.
❌ Assuming travel insurance is enough
Standard travel insurance often excludes long-term residency or relocation.
❌ Waiting until you need medical care
Insurance must be active before an incident occurs.
Final Thoughts
Moving to the USA is an adventure, but don’t let the healthcare system catch you off guard. Having a flexible global health insurance plan like SafetyWing gives you peace of mind while you settle into your new American life.
Related Guides
- Moving to the USA from the UK: Complete Checklist
- Best Bank Account for Brits Moving to the USA
- How to Open a US Bank Account as a Non-Resident
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