What should I do if my U.S. health insurance expires?

1, Call your previous insurance company to confirm expiration dates. Most U.S. colleges have a one-year enrollment period, and a few have semester-based enrollment. If you enroll in September, your health insurance will theoretically expire in September of the following year, not the date you graduate. Ask if you can renew your insurance if it expires.

2, Contact the student health service or admission office of your doctoral institution and ask if they offer gap coverage. Some institutions offer a 30-90 day gap insurance plan prior to enrollment.

3, If you still do not have it, then look at your state government. You can consult with the state health insurance marketplace staff, they have a special plan for gap coverage, but because it is not during the normal enrollment period, you may need to apply for special enrollment. These services are all available, the only question is The only question is whether your state allows international students to enroll in state health insurance. The official response from Massachusetts, where I live, is that international students can purchase insurance in the state health insurance marketplace.

4. Check out the insurance companies that specialize in international students, they must have a short-term insurance plan that you can join at any time. But the downside is that you must be clear about every insurance rule, as such plans often have high starting lines, low cap lines, low benefit ratios, and many exceptions. This means that some plans may not cover medication prescription/refill.

5, renewal may be safer. After all, the owner’s current situation is the most moral hazard that insurance companies want to avoid.