One of the biggest adjustments for international nurses relocating to the United States is understanding how health insurance works. Unlike in many other countries, U.S. healthcare is not free, and medical bills can quickly add up without proper coverage. That’s why choosing the right plan early on is so important, as it protects both your health and your finances as you settle into your new life. 

Health insurance helps you manage costs for doctor visits, medications, and emergencies, giving you peace of mind as you focus on your new nursing career. The best option for you depends on your employment and immigration status. Let’s explore the most common health insurance options available to international nurses.

1. Health Insurance Marketplace (ACA Plans) 

For some moving to the U.S., the Health Insurance Marketplace (also called ACA plans, after the Affordable Care Act) is the first step toward securing coverage. It’s a government-run platform that allows you to compare private health insurance plans side by side, making it easier to find one that fits your budget and needs. 

These plans offer comprehensive coverage for essential medical services (everything from preventive care to prescriptions) and may include financial assistance based on your income. 

What It Offers 

ACA Marketplace plans are designed to make healthcare accessible and affordable for individuals and families. You’ll find: 

• Affordable Plans: Comprehensive coverage for doctor visits, prescriptions, and hospital stays. 
• Subsidies: Financial assistance based on income to help lower monthly payments. 
• Plan Options: Choose from Bronze, Silver, Gold, or Platinum tiers, depending on your healthcare needs and how much you want to spend on premiums versus out-of-pocket costs. 

What It Covers 

All ACA-approved plans must cover essential health benefits, such as: 

• Preventive care and doctor visits 
• Hospital and emergency care 
• Prescription medications 
• Maternity and newborn care 
• Mental health and rehabilitation services 

Financial Assistance 

The Marketplace offers income-based subsidies to help lower your monthly premium. Generally, individuals or families earning less than 400% of the U.S. federal poverty level are eligible for assistance. 

Average Monthly Costs: 

• 30-year-old: about $483 
• 40-year-old: about $544 
• 50-year-old: about $760 

Keep in mind that costs vary depending on where you live, the type of plan you choose, and your personal health situation. 

How to Apply 

You can easily apply online through HealthCare.gov or the marketplace website of the state you’re moving to. Enrollment is available during open enrollment (once a year) or a special enrollment period if you’ve recently moved to the U.S. or changed jobs. It’s important to note that ACA plans often have higher out-of-pocket costs for medical services, but they provide broad and dependable coverage, which is an excellent long-term option for newcomers establishing themselves in the U.S. 

2. Health Coverage Through Your Employer 

If you’re relocating through a U.S.-based employer, chances are they’ll offer employer-sponsored health insurance, which is one of the best and most cost-effective options available. These plans are popular among working professionals because employers cover most of the premium, leaving employees to pay a smaller, more manageable portion. 

This type of coverage usually starts shortly after your first day of employment and may include not only medical insurance but also dental, vision, and even mental health benefits. 

How It Works 

Employer health plans are simple to use: 

• Your employer partners with an insurance provider and pays most of the premium. 
• You contribute a smaller portion, usually deducted automatically from your paycheck. 
• Once enrolled, you’ll receive an insurance card that you can use at hospitals, clinics, and pharmacies. 

What’s Included 

Employer-sponsored plans typically include: 

• Doctor and specialist visits 
• Hospital care and emergency services 
• Preventive and wellness visits 
• Prescription medications 

In addition, many employers provide: 

• Dental and vision coverage for you and your family 
• Mental health support and employee assistance programs 
• Options to choose from different coverage tiers (Bronze, Silver, Gold, or Platinum) 

This type of insurance often offers the best value, since employers absorb most of the cost and ensure quality benefits for their staff. 

3. Short-Term Health Insurance 

If you’re in between jobs, waiting for your employer-sponsored coverage to begin, or newly arrived in the U.S., short-term health insurance can bridge the gap. These temporary plans are meant to provide protection for emergencies or unexpected illnesses until you transition to a long-term policy. While short-term plans cost less, they also cover less, so they’re best viewed as a temporary safeguard and not a replacement for full health coverage. 

What It Offers 

Short-term plans focus on affordability and flexibility. 

• Lower monthly premiums than standard health insurance (average $91–$231/month). 
• Basic emergency coverage for sudden illness or injury. 
• Quick approval, with many plans starting within 24 hours of application. 

What’s Not Covered 

Because short-term insurance is designed for limited use, coverage is restricted. It generally does not include: 

• Maternity and childbirth care 
• Mental health or substance abuse services 
• Prescription medications (though discounts may apply) 

Who Should Consider This Option 

Short-term health insurance can be helpful for: 

• International nurses waiting for employer insurance to begin 
• Those between jobs or work assignments 
• Individuals needing temporary protection during relocation 

How to Apply 

Short-term plans are not available through the ACA Marketplace. Instead, you can: 

• Contact private insurance companies directly 
• Work with an independent insurance broker who specializes in short-term coverage 



These plans can provide peace of mind while you wait for long-term insurance to take effect, ensuring you’re protected during the transition period. 

How to Make the Right Choice 

With multiple health insurance options available, the best plan for you depends on your timing, employment status, and healthcare needs. If you’re already employed, employer-sponsored insurance will likely be the most cost-effective and convenient option. 

If you’re still in the process of relocating or between jobs, consider short-term insurance for temporary coverage. And for long-term, independent protection, the ACA Marketplace offers reliable plans with financial assistance options. Comparing costs, benefits, and enrollment timelines will help you find the plan that best supports your health and your new life in the U.S. 

Taking Care of Your Health and Peace of Mind 

Learning how health insurance works in the U.S. can take time, as there’s a lot to understand, and every option comes with its own rules and benefits. But once you find a plan that fits your needs, it can take that added weight off your shoulders. 

And if you ever feel uncertain or need guidance, WorldWide HealthStaff Solutions is here to help. Our team understands what it’s like to start fresh in a new country, and we’re dedicated to helping you navigate important steps like healthcare with clarity and confidence. With the right preparation, you can begin your journey in the U.S. knowing your health and future are in good hands.