AXA Global Healthcare

AXA Global Healthcare covers Americans abroad across 176 countries with a tiered plan structure that lets you choose coverage matching your medical needs and budget. The insurer maintains direct billing relationships with over two million healthcare facilities globally, so you can access care and have claims settled immediately in most cases. Their five plan tiers range from essential coverage to comprehensive packages with high annual limits and additional benefits like wellness programs and preventive care.

This plan works well for American expats seeking broad geographic coverage and the flexibility to scale their insurance up or down as their circumstances change. AXA's extensive provider network means you'll likely find in-network hospitals and doctors wherever you're living abroad, and their multiple tier options let you avoid paying for coverage you don't need while protecting yourself against serious medical expenses.