Exclusive CFE point of contact for the USA
While we are the preferred partner for French nationals through the Caisse des Français de l'Étranger, our expertise extends to many other international profiles.
Santexpat becomes careXpat
careXpat America
International health insurance for living in the United States
Because an unexpected medical event should never put your American dream at risk.
Moving, studying or travelling across the Atlantic is an exceptional opportunity, but the local healthcare system leaves no room for gaps in preparation.
What to plan ahead for
An emergency hospital visit in the United States costs an average of $1,500 to $3,000 for just a few hours, but the bill regularly exceeds $50,000 to $100,000 when extensive tests, surgery or several days in hospital are involved. Without cover, you pay the full amount.
Whether you are looking for the best travel insurance for the USA or long-term protection, discover how our United States health insurance protects you against unexpected costs.
The bill without insurance
- Emergency room visit lasting a few hours
- $1,500 to $3,000
- Surgery or a hospital stay
- $50,000 to $100,000
Our advisers on the groundWhy choose
Why choose
careXpat América?
We are your advisers on the ground, dedicated to the American market, with a role that goes beyond conventional insurance. What sets us apart from global insurers is our personal approach: close support, tailored guidance and responsiveness. Finding the right health insurance in the USA for French nationals and other international expatriates requires specific expertise:
Business France partner
We insure their 2,000 employees in France and posted to 56 countries, as well as the 12,500 V.I.E participants based in 110 countries.
Exclusive partner of the French business network
We are the exclusive partners of the 110 French Chambers of Commerce and Industry abroad (across 90 countries), as well as businesses accredited by EFE International (French entrepreneurs' businesses abroad).
Recognised expertise
With B Corpcertification, we have been managing your USA insurance with care for over 15 years.
Proactive, personal customer care
Our advisers are directly available on WhatsApp to reassure you and guide you whenever a medical concern arises.
WhatsApp
Tailored solutions
International health insurance in the USA for every profile
We have developed tailored solutions for every situation:
Long-term
Long-term expatriate
Comprehensive expat health insurance in the USA to protect your family.
View the solution
F1 / J1 visas
Student
Student health insurance in the USA that meets your university's strict requirements.
View the solution
H1B · O · L · E2 
Work visas and entrepreneurs
An essential alternative to support your business.
View the solution
Short-term
Short-term visitor
Emergency protection, ideal for holiday or travel health insurance in the USA.
View the solution
Understanding the system
The American healthcare system explained
Set aside your European frame of reference. How does health insurance work in the USA? Here are 5 essential facts:
No equivalent to French social security
Public health insurance in the USA (Medicare/Medicaid) is not available to temporary residents who do not have both permanent residence and a US Social Security number (both are required).
Extremely high actual costs
When it comes to USA health insurance, price is not the only consideration: a standard consultation costs more than $200 and childbirth can cost $30,000.
The limits of Obamacare (ACA)
Costs vary by state and available subsidies. In New York, a basic plan (Bronze) costs around $700 per month with substantial out-of-pocket costs (deductibles).
Healthcare networks (PPO / HMO)
Using providers outside your USA health insurer's network brings restrictions: very high out-of-pocket costs (or even no reimbursement) and non-negotiated rates.
Urgent Care vs ER
Hospital care costs up to 20 times as much as a local clinic for a non-life-threatening emergency.
The careXpat blog
All United States articles Our top expert articles on the USA
careXpat answers your questions
FAQ: your questions about health insurance in the USA
Can my European insurance provide health cover in the United States?
No. Your national healthcare system (such as French social security) does not cover care in the United States, except in extreme life-threatening emergencies, within French social security reimbursement limits and with reimbursement times exceeding 6 months. You need to take out international health insurance for the USA before departure.
How much does health insurance cost in the USA?
The cost depends on several factors: length of stay, age, visa, desired level of cover and geographical area. At careXpat, every plan is tailored to you, whether for a temporary stay or a long-term move. Our advisers guide you towards the solution best suited to your profile and medical needs in the United States.
Which insurance is suitable for an H1B or O1 visa in the USA?
careXpat international insurance is the recommended and most suitable solution to protect you while holding these work visas.
Does the CFE cover healthcare in the USA?
Yes, but with substantial out-of-pocket costs. careXpat offers a particularly advantageous CFE plus top-up insurance arrangement for French nationals.
What is the difference between an Emergency Room and Urgent Care?
The Emergency Room (ER) is a hospital emergency department designed for serious or life-threatening situations (from $1,500 to $10,000 or more). Urgent Care is a local clinic for minor or non-life-threatening emergencies (between $150 and $300 per visit).
How much does childbirth cost in the USA without insurance?
Between $10,000 and $15,000 for a vaginal birth without complications. Without cover, you pay 100% of the costs. Be aware of waiting periods.
Is my university student insurance sufficient in the USA?
Universities set very precise requirements. To opt out of their plan, you must obtain a waiver. Most international insurance policies do not meet these requirements. At careXpat América, we have designed dedicated student products that meet these standards, making it straightforward to obtain a waiver while also providing repatriation to your home country.
How do I get my healthcare costs reimbursed with careXpat?
Our Customer Care team is available on WhatsApp. Hospital costs are paid directly, and routine care is reimbursed within 10 to 15 days.
careXpat America is by your side
Your health in the United States, without unwelcome surprises
Our advisers dedicated to the American market compare plans with you, then support you through taking out cover.
