truenorth418
Full time employment: Posting here.
A quick update:
BOTTOM LINE: If I thought I would *never* seek medical care in the US, I might grab an expat policy. But until that is absolutely true, I think it makes sense to keep hold of US coverage and supplement with "travel" secondary insurance.
Better to spend a bit more while exploring possible life options that to have massive non-buyer's remorse later!
Agree. It’s important to research all options and consider various scenarios.
It sounds like one of the scenarios that troubles you is the possibility of a chronic disease or cancer where you would need to remain in place for an extended period of time for treatment.
If that were to happen to you, yes, you might want to return to the US for treatment, but the limitations imposed by an international expat policy (90 or 180 USA limits) might make that infeasible.
On the other hand, the international expat policy would provide you with affordable treatment options virtually anywhere in the entire world. The USA might not be the place where you would receive the best treatment, depending on the disease or condition. Under such unfortunate circumstances, you might want to have more choices than what would be available to you under your ACA policy from whatever US state you are domiciled.