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Visitor Insurance > Health insurance for H4 visa

Health Insurance for H4 Visa Holders

An H4 visa-holder coming to the US to join their spouse or loved one who is a H1B visa-holder, should have comprehensive medical insurance to cover for any health issues or medical emergencies during their stay in the US. Staying in the USA without medical insurance can be risky since the cost of healthcare in the US is very high.

A H4 visa-holder may need medical insurance coverage in any of the following situations.

  • Coverage for your travel to USA: You should consider protecting yourself from the moment you leave your home country. You may need coverage for a medical emergency while on the aircraft, for emergency evacuation, or for any emergencies that may occur while waiting for your connecting flight.

  • Coverage for medical emergencies/illnesses that occur in the USA: Coverage for things like; sudden illnesses, body aches, slips and falls, and any injuries can be covered with a comprehensive coverage visitors insurance plan.

  • Employer's Health Insurance Waiting Period: Your H1B spouse's employer may offer health insurance however, it is very common that their health insurance is not effective immediately upon arrival to the US. Additionally, depending on which US state their employer is located; the health insurance may have a waiting period before your spouse's employer-provided insurance starts covering you.

  • No family coverage : Your H1B spouse's employer may not cover family members like spouse and children who are on H4 visas.
  • Adding H4 depends may cost more : Adding depends who are on H4 visa to primary person's who is on H1Visa may increase cost and contribution from H1B's pay check.

Where to get insurance for H4 visa?

People coming to the USA for their first time on an H4 visa should consider buying a travel medical insurance policy to get coverage for their trip and initial days in USA. This can offer an immediate solution to provide coverage for any new, unexpected sicknesses and injuries that may occur while you get settles in the US.
Get Insurance Quote for H4 visa.

For long-term coverage, H4 visa-holders may want to consider a regular domestic health insurance. This will provide supplementary coverage for things that may not be covered with visitors insurance. Furthermore, visitors' insurance does not comply with certain Obama Care regulations

If you need assistance or have questions related to Health and medical insurance for H4 visa, holders please call toll free 866-384-9104 and speak to a health insurance expert. Or send an email to ""

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Medical and health insurance for H1B visa holders.