The two concepts that matter most

• Network: “in-network” care is usually far cheaper than “out-of-network.”
• Cost sharing: deductibles, copays, coinsurance, and out-of-pocket maximums.

Real questions people ask about U.S. health insurance

• “Is U.S. healthcare ‘free’ like Canada?” No — costs and coverage depend on your plan. Expect premiums, deductibles, and copays.
• “What if I move before a job starts?” Plan for a coverage gap. People often use short-term coverage or travel-style bridge options (eligibility varies).
• “What’s a deductible vs out-of-pocket max?” Deductible is what you pay before the plan pays more; out-of-pocket max caps covered costs in-network (rules vary).
• “What’s the biggest mistake?” Assuming a cheap monthly premium means cheap care — check deductible, network, and urgent-care/ER rules.

Most common coverage paths for Canadians

• Employer plan: often the best value if offered (ask about start date + waiting period).
• ACA marketplace plan: depends on eligibility and timing (state-specific rules).
• Short-term plans: can fill gaps but may exclude pre-existing conditions and key benefits.
• Travel/visitor coverage: sometimes used briefly, but read exclusions carefully.

What to ask HR (copy/paste checklist)

• When does coverage start? Is there a waiting period?
• What are the deductible and out-of-pocket maximum?
• Is there a family deductible? Is it “embedded” or “aggregate”?
• Which local hospital systems and clinics are in-network?
• Are prescriptions covered? What’s the formulary?

If you’re moving to GA/FL/TX, ask HR to confirm that the plan’s network is strong in your specific county/city.

“Surprises” Canadians commonly run into

• Going to an in-network hospital but being treated by an out-of-network specialist.
• Confusing “copay” (flat fee) with “coinsurance” (percentage).
• Not realizing some services require pre-authorization.
• Not budgeting for dental/vision (often separate).

Simple guidance for your first 90 days

1. Pick one primary clinic that’s in-network and near you.
2. Learn your plan portal (ID cards, claims, finding providers).
3. Build a small “medical buffer” in your budget (even $25–$50/week helps).
4. Confirm urgent care vs ER rules and likely costs.

Helpful official starting points

• Healthcare.gov (ACA marketplace): healthcare.gov
• Consumer guidance on coverage: CMS consumer resources

Rules can change by state and year—use official sites for the most current info.

If you want, I can add an “Insurance Q&A” tool

We can add a simple form in the admin dashboard so visitors can submit questions, and you can post answers as a blog-style FAQ.