Rising Interest in Relocating Abroad Heightens Need for Health Insurance

Concerns Over Healthcare Prompt Americans to Consider Moving Abroad

A significant shift in perspective regarding relocation is emerging among Americans, with a recent survey revealing that four out of ten respondents are seriously contemplating moving out of the United States within the next two years. This growing trend highlights the increasing importance of having reliable and affordable international health insurance. The survey was commissioned by GeoBlue and International Citizens Insurance (ICI), conducted by Harris Poll, to assess the reasons behind this inclination towards relocating.

One of the critical findings is that 31% of potential expatriates cite worries about healthcare coverage abroad as a primary factor delaying their decision to move overseas. This concern outweighs worries about their work and social life in a foreign country. As many look to embark on new adventures, the assurance of access to healthcare seems to be a decisive factor in their decision-making process.

International Health Insurance: A Necessity for Expats

Once individuals do make the leap to relocate, a substantial 82% of expats report that having access to healthcare and insurance coverage worldwide provides them with invaluable peace of mind. Knowing they can navigate the complexities of a foreign healthcare system, 76% of those surveyed feel more confident in doing so when they have international health insurance.

Additionally, many expats find themselves relying heavily on their international health coverage, with close to half utilizing it for regular medical check-ups and 57% having used it for unexpected health issues that arose while living abroad. This reliance underscores the necessity of securing proper health insurance ahead of relocating.

The Surge in Interest Towards Living Abroad

The importance of health coverage during international relocation is increasingly recognized as potential expatriates gain momentum. The recent Harris Poll indicates that approximately 42% of Americans are considering leaving the U.S. in the next two years, with notable percentages among groups like Gen Z at 63%, the LGBTQIA+ community at 61%, and Hispanic individuals at 61%. Additionally, the ongoing effects of the Covid-19 pandemic and the rise of work-from-home arrangements have led to an increase in digital nomads — individuals working remotely while traveling. According to the 2024 State of Independence Report, approximately 18.1 million Americans identify as digital nomads, reflecting a staggering 147% increase since 2019.

Surprisingly, despite the majority of respondents in the GeoBlue-ICI survey possessing international health insurance before moving, 36% were uninsured at the time of their relocation. This indicates a common misconception among consumers who often believe their existing U.S. coverage will suffice abroad or simply do not realize they require health insurance in a foreign country. Since domestic health plans typically do not cover international medical expenses, international health insurance remains indispensable for those embracing the expat lifestyle.

Voices from the Industry

"Thinking of moving abroad while planning to rely on your existing domestic health plan could leave you with minimal to no coverage overseas," warns Don Van Scyoc, VP of individual sales at GeoBlue. He emphasizes that beyond providing financial safety, international health insurance affords a sense of security to clients, ensuring they can access care and manage costs effectively, whether facing routine health issues or emergency medical situations.

Research from the study reinforces the idea that having international health insurance is fundamental for individuals planning to move and adapt to life abroad, emphasizing that it's a non-negotiable aspect of their journey.

Understanding the Study

The study, which surveyed 428 participants during December 2024 and January 2025, included former and current expatriates as well as individuals considering a future overseas relocation. Of the respondents, expats — defined as individuals who have lived in another country for a minimum of three months — made up two-thirds of the pool, whereas potential expats constituted one-third.

About GeoBlue

Backed by a network of 15 Blue Cross Blue Shield companies and Bupa, GeoBlue has dedicated over 25 years to simplifying healthcare experiences for those globally mobile. They offer extensive care networks and high-tech services to assist clients in realizing their international aspirations, ranging from business professionals traveling to Tokyo to students studying in Spain.

About International Citizens Insurance

Specializing in comprehensive solutions for global citizens, expatriates, and organizations, International Citizens Insurance is committed to delivering tailored insurance protections that cater to the unique challenges faced while living abroad. Their expert team provides unwavering support, ensuring clients feel equipped and secure globally.

In conclusion, as more Americans show interest in moving abroad, understanding and securing international health insurance becomes vital in preparing for a successful relocation experience.