Expatriate insurance in the USA

We've put together a few tips to help you prepare for your move to the USA and get to grips with everyday life there.

assurance expatrie etats unis

The United States boasts one of the best healthcare systems in the world, as well as top-quality infrastructures. Prices in both the public and private sectors are extremely varied, and can be high for access to first-rate care. That’s why we strongly recommend that you take out international health insurance for expatriates before you leave, to avoid exorbitant medical costs.

Expatriate insurance United States Gold Nomad Expat

Our policy with good levels of cover, suitable for your expatriation to the USA.



/ month

Expatriate Insurance United States Gold Expat Access

Economical international health insurance tailored to your expatriation plans.



/ month

Expatriate insurance United States Gold Expat Safe

Health insurance with a good cover/price ratio. It offers effective cover against accident and illness.



/ month

Expatriate insurance United States Gold Expat Premium

Our most comprehensive expatriate health insurance, tailored to your expatriation to the USA.



/ month

Any questions? Need advice?

Living and working in the USA

The United States is a cosmopolitan country par excellence, with around 327 million inhabitants. Many expatriate communities have settled here over the years, and some even have their own tourist districts (Chinatown, Little France, Little Italy…). The United States embodies the American dream for those wishing to work there or develop their own business. However, safety nets are very weak compared to the European social protection system. Anyone living in the United States has to keep moving forward. She has to take care of herself to find a job, start her own business or create her own company in the United States. Apart from the vigilance required when it comes to safety, the United States is a welcoming country rich in opportunities. As for healthcare costs, the American medical system is among the most expensive in the world. That’s why it’s imperative to take out international health insurance for expatriates before you leave, to prevent any risks.

Expatriate health insurance in the USA

As an expatriate, you will no longer be covered by the French health and welfare system, and will therefore lose your rights to L’Assurance maladie. As a resident of the territory on American soil, or even as a green card holder, you will need to comply with the country’s legislation which, since the adoption of Obamacare, requires you to have health insurance with guarantees capable of covering a legal minimum of healthcare costs. Although Trump’s executive order gave some states the option of no longer penalizing those without coverage under the Affordable Care Act, Biden’s arrival in office and upcoming legal rulings on the law could once again make coverage mandatory. As a precautionary measure, it is essential to take out good expatriate health insurance for your expatriation to the United States. This precaution is all the more justified given that the United States is the country with the highest healthcare costs. For example, a consultation with a general practitioner ranges from $150 to $200, while a consultation with a specialist can cost over $300. On average, bills can be up to 10 times higher than French costs! The expatriate health insurance offered by Mondassur meets many of the criteria required by the US government under the Affordable Care Act, including direct coverage of 100% of hospitalization costs, as well as up to 90% of general and specialist medical expenses. We are also an AETNA partner, giving you access to co-payment with doctors and pharmacies in the network. By taking out GoldExpat insurance, expatriates are guaranteed excellent coverage not only in the U.S., but throughout the world. Don’t hesitate to contact us so that we can take the time to assess your needs together. We can tailor our plans to cover you and your family at very attractive rates compared to those offered by local insurers. Here you can compare our expatriate insurance offers at the 1st euro for your expatriation to the USA, and you can also request a free quote to choose your insurance for the USA.

Moving to the United States

Many of the great success stories in the USA are the result of immigrants or the sons of immigrants who left to try their luck in the United States. Major technological successes such as Apple and Google are the result of the determination and effort of people with international backgrounds. This is known as the “Self-Made Man / Woman” theory. However, settling in the U.S. is a real challenge for foreigners, and you’ll need to be determined to succeed! The first step is to find the right visa for you, so that you can live and work legally in the United States. Also, unless you’re married or engaged to a U.S. citizen, or hired by a local company, or even if you’ve won the annual green card lottery, you won’t be able to apply for an immigration visa on your own. If you don’t fit into any of the above categories, you’ll need to choose the right visa for temporary stays of up to 12 months. Whether you’re a permanent resident or a temporary worker, we can offer you insurance that meets your needs and the criteria required by U.S. legislation. Don’t hesitate to contact us for further information and guidance. You can also read our article on the different U.S. visas, which summarizes the conditions for obtaining them, by following this link! We also encourage you to contact a lawyer specialized in US immigration.

Working in the United States as a French citizen

Finding a job in the United States isn’t easy. However, you can’t go to the USA and look for work on a tourist visa. This is strictly forbidden in the United States.

Finding a job in the USA from France

It’s difficult, but far from impossible, because other people have done it before you.

To find a job without being on site, you need :

  • Proper immigration papers
  • Find an employer who will not only recruit you, but also “sponsor” you so that you can obtain a work visa.

Your fighting spirit will be put to the test, unless you stumble across a fantastic opportunity – a frequent occurrence for certain profiles, particularly computer scientists, who are highly sought-after in the USA.
Here are a few tips:

Don’t hesitate to put your network to good use. We often underestimate this, and yet some of our acquaintances are mines of information and may even have the contacts you need to make your dream come true.
In the United States, as elsewhere in the world, the method is similar, with these essential first steps:

– Register on job search sites
– Put your CV online
– Reply to job offers

Websites such as APEC, Pole emploi or LinkedIn have an “international” section. EuropUSA can put you in touch with employers or placement agencies for jobs in the USA.

Finding a job in the United States

If you’re already in the U.S., you’ll find it easier, because being here means you’re more familiar with the market, you may already have all your immigration papers in order, and you’re more available to move quickly.

However, when you sign your employment contract, make sure you fully understand every clause. For information, the weekly working time is 40 hours. Don’t talk about the 35-hour week. Nor 5 weeks’ paid vacation.
Americans generally take two weeks off a year.

The salary scale in the United States is much wider than in Europe. For example, very high salaries in the USA are often more than five times higher than in Europe. But that doesn’t stop more than 10% of the American population living below the poverty line, including more than 2 million working…

Setting up a business in the United States

In 2013, the French government launched the French Tech label. Since then, thousands of French entrepreneurs have gone on to shine internationally in the colors of France. The U.S. is the epitome of entrepreneurship: you can set up a business in just one click! Tempting, isn’t it? The simplest corporate status can cost you just a few hundred dollars. However, many entrepreneurs call on the services of lawyers or chartered accountants to assess their financial situation and determine the most attractive type of company to set up. In fact, you’ll need to determine the market’s expectations beforehand in order to hit the bull’s-eye. Good preparation will be your best asset when you’re on the spot, so you can set up your business quickly. With networks of French entrepreneurs in major cities like New York and San Francisco, the United States is one of the countries where French Tech is most present. This is partly due to the country’s international reputation for innovation, and the increased markets and opportunities it offers to entrepreneurs. In addition to these networks of entrepreneurs and investors, every year entire French companies attempt to conquer the American B2B or B2C market. The USA is also one of the first countries where French start-ups try to expand their market after a major commercial breakthrough or fund-raising. Some French people have understood the immense potential of French Tech in the United States, and are investing a great deal of time and money in it. A number of French-speaking organizations are on hand to help you make the most of your business opportunities and to offer you high-quality networking events… All you need to create the perfect network to help you grow your business! Of course, we can’t stress this enough, but just as you’ll need to insure your business, you’ll also need to insure yourself with sufficient medical insurance. We can offer you a range of GoldExpat expatriate insurance packages to ensure you’re covered and supported in all circumstances. Ask us for a quote!

Find out more about health insurance in the USA

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