Ask Our Specialists

Search Questions and Get Answers

Type your question or hashtag below or Ask a Question


I am a US citizen currently living as an ex-pat in Italy. I plan to return to the USA in Feb 2020 with my Italian wife and my son (who is a US citizen). I've been looking at all the different insurance plans on your site and it is a bit confusing as to which plan or option I should choose since I am an ex-pat and my wife is a new immigrant etc. Could you please help me choose? My wife will be entering the US for the first time. I am not a resident in the US anymore and the last state I lived in was Michigan, but we will be moving to California and we don't have a fixed address there yet (doing AirBnb for the first month until we find something to rent). So I thought we needed to buy travel/visitors health insurance to cover us until the open enrollment period at the end of 2020 for California. Can I get the domestic insurance for my family after a short while if I am new to the state? Should I just buy the travel insurance for the first few months or so?


Unfortunately, as you all are moving to the United States and not coming for a visit you are not considered a visitor.

When you arrive you may qualify for a special enrollment period for an individual plan on the market place. However, there are no plans that we can offer to you.

Last Updated: {{question.updated}}
Published: {{question.published}}
{{question.likes}} {{question.likes == 1 ? 'person found this answer useful' : 'people found this answer useful'}}
1666 page views

DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

Learn More

New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

Learn More

Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

Learn More

Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

Learn More

Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

Learn More

Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

Learn More

International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More