Employer coverage is usually central
Many H-1B workers receive employer-sponsored coverage. Compare payroll premium, deductible, network, dependent cost, prescriptions, and whether preferred hospitals are covered.
If employment ends, COBRA, Marketplace special enrollment, spouse coverage, or other options may be time-sensitive.
Dependents and moving states
H-4 dependents, children, and state moves can change networks and eligibility. Verify before relocation.
Questions to ask
- Is this coverage category available for my location, age, residency status, and enrollment window?
- Which doctors, hospitals, pharmacies, labs, and imaging centers are in network?
- What deductible, copays, coinsurance, and out-of-pocket maximum could apply?
- Are prescriptions, referrals, prior authorization, or medical records required?
- What should I get in writing before I enroll, travel, or schedule care?
Red flags
- A salesperson avoids written plan documents or official carrier links.
- The pitch focuses only on monthly premium and skips deductible, network, exclusions, and maximum exposure.
- Someone says a doctor, hospital, country, or procedure is covered without written verification.
- A limited-benefit, short-term, travel, or discount product is described like full major medical insurance.
Official sources to verify
Next step
Use the navigator to organize your situation, then verify plan-specific details with official sources, insurers, employer benefits teams, or licensed professionals.