Health Insurance (US)

The United States does not have universal healthcare — private insurance is essential. Coverage sources include employer-sponsored plans (average cost: $7,900/year individual, $22,400/year family), ACA Marketplace plans (subsidized based on income), and private plans. International newcomers can obtain short-term travel insurance while arranging permanent coverage. Key terms: premium (monthly cost), deductible (amount you pay before insurance kicks in, typically $1,500-$5,000), copay (fixed per-visit cost), and out-of-pocket maximum. Emergency room visits average $2,500+ without insurance.