An international visitor's guide to the U.S. health care system

Even Americans find U.S. health care confusing. Here is what visitors most need to know before they arrive.

Fact 5: Health care is mostly private. Most care in the U.S. is delivered by private hospitals and doctors, and most people get insurance through an employer or buy it themselves. Government programs like Medicare and Medicaid cover specific groups. International visitors, students and scholars usually need to arrange their own coverage.

Fact 4: Using public benefits can affect your immigration status. Visa holders are generally not eligible for programs like Medicaid or marketplace subsidies. Applying for benefits you are not entitled to can create problems when you extend your stay, change status or apply for a future visa.

Fact 3: F and J visa holders may have specific insurance requirements. J-1 visitors and their J-2 dependents must meet Department of State minimums and any stricter sponsor rules. Details: J Visa Insurance Requirements. F-1 students have no federal requirement, but most schools require coverage. Search for your school on our Student & Scholar page.

Fact 2: Going without insurance is a big financial risk. U.S. medical bills are among the highest in the world. A single emergency room visit or hospital stay can cost thousands of dollars, and serious illness can cost far more. Hospitals must stabilize you in an emergency, but you will be billed for the care.

Fact 1: The quality of care can be excellent. The U.S. spends more on health care than any other country, roughly a sixth of its economy. With the right insurance, you can get timely, high-quality care if you get sick or hurt.

Ready to get covered? Compare plans or contact TaiAn.