K1 Visa Health Insurance

Updated on January 4, 2024

At a Glance

  • Health insurance options for K1 visa holders include international major medical insurance from global providers.
  • Enrolling in short-term coverage plans like the Patriot America Plus or Atlas America for 5 to 364 days is also possible.
  • Review the terms and conditions of each plan to understand coverage details and consider personal loans from providers like Stilt for affordability.

First of all, congratulations! You’ve gotten engaged to a U.S. citizen. Exciting and memorable times lie in wait for you and your partner. But there are a few administrative tasks in the meantime that you’ll need to take care of in addition to planning your dream wedding. Getting your health insurance in order is one of them.

Can someone on a K1 visa get health insurance in the U.S.? You’ll be surprised to know that it is quite simple to get K1 health insurance. Here are a few options you can consider.

Can you get Health Insurance with a K1 Visa?

A K1 visa is a temporary document that grants someone who is engaged to a U.S. citizen the right to be in America. It’s usually only valid for a maximum of 90 days and the visa can’t be renewed. In order to stay longer you’ll need to adjust your status once you are married to your U.S. spouse. Once you get a Green Card you’ll have access to more kinds of health and financial services.

But you don’t have a Green Card yet. And you don’t want to spend 3 months in the U.S. without having medical coverage. That won’t be a good idea. So what can you do? You aren’t able to go on your spouse’s health insurance plan until you are married. And medical insurance is generally only given to people with permanent residency.

The good news is, however, you don’t have to worry. You can qualify for quite a few options of medical insurance. Your K1 visa will be enough to prove your eligibility.

3 Options for K1 Visa Health Insurance

There are three options you can consider for your K1 visa health insurance.

Before you make your choice, read through the terms and conditions of the plan you consider. Understand what you are required to do before you can claim for health related expenses. Not one plan or product will be the same and assuming something now will not help if you end up having to make use of your health insurance. For information on each option, contact the companies’ customer service departments and ask what you need to know.

Let’s take a look at your three options.

1. International Major Medical Insurance for K1 Visas

The first option you can consider is getting health insurance from a major international medical insurance provider. These types of plans allow you to only take out monthly subscriptions and also allows you to be covered while you travel. You don’t need to commit for extended periods beyond what you need. You can keep this medical insurance until you’ve married your spouse and qualify for domestic insurance.

Just keep in mind that many of these plans don’t cover maternity costs and birth control pills. Some also don’t cover pre-existing conditions. That is why it is important to read through your terms and conditions and know what you are covered for before accepting a plan. You don’t want to be in an uncomfortable situation or unplanned financial pressure because you didn’t understand the terms of your health insurance plan.

2. Patriot America Plus for K1 Visas

This K1 visa health insurance plan is designed for people who need short term coverage. The following groups of people (who has the correct paperwork) qualify for this plan:

  • College students studying abroad
  • Foreign au pairs and nannies
  • Families sponsoring exchange students
  • International vacationers
  • Relatives visiting from overseas
  • Recently arrived immigrants

People on K1 visas fit this plan perfectly. Your valid K1 visa makes you eligible to become a client of the Patriot America Plus plan. They boast maximum limits ranging between $50,000 to $500,000. You can even register your dependents traveling with you on this same plan.

You’ll have 24-hour access to the international benefits offered by this plan. Multilingual customer service centers can also help you find the answers you need if you have any questions about your health insurance plan. With the Patriot America Plus plan, you have the freedom to choose any registered doctor or medical facility for your treatments. So you won’t be limited to any registered partner program.

3. Atlas America

Atlas America offers you K1 visa health insurance for 5 to 364 days. On this plan, you’ll receive coverage for traveling both within and outside of the U.S.

You may, however, only receive some limited coverage for acute onset of pre-existing conditions. The upside is you generally get 100% coverage whether you go to a medical facility in their network or outside their network. Just contact them to verify whether they are willing to finance the costs of a specific out of network facility. Many websites and forums give Atlas America excellent ratings, so you can expect top service from them. They even have $300 available for acute dental treatment and conditions. They even cover costs on behalf of clients who suffered in terrorism acts.

What If I Can’t Afford K1 Visa Health Insurance?

Knowing you can get K1 visa health insurance is one thing. It is quite another thing to be able to afford it.

What are your options if you can’t afford health insurance? You know it’s risky to not have health insurance. But how can you finance it if you don’t have the cash readily available?

You can always consider a personal loan with Stilt. You can use a personal loan for whatever you need. You don’t even have to disclose its purpose to the lender. Personal loans are also unsecured meaning it doesn’t need a form of security (something of value) to serve as collateral. With Stilt, you won’t even need a credit score or a co-signer to apply for a loan. You only need to comply with some simple eligibility criteria. Getting a loan with Stilt is even easier than acing your K1 visa interview.

Here’s how it works.


You can apply online for a loan amount up to $25,000. Supply all the proof of your creditworthiness and supporting documents they need to improve your chances of success. You’ll need to provide every document that helps to state your case.

Receive Your Offer

Someone will contact you within 24 hours of your application. Please supply any additional information if they ask for something. The stronger your application, the better loan offer you get.

You’ll soon receive a loan offer and a promissory note. Please sign and return that note if you want to accept the offer.

Loan Disbursement

The disbursement of your loan amount should take about 2-3 business days. Set up the repayment option that suits your needs the best. An autopay option will automatically repay your loan on time, every month. If you choose autopay, your monthly repayment will be deducted from your account every month meaning you don’t have to stress about late payments or late payment fees.

Getting a loan with Stilt is that easy!

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The time leading up to your wedding should be fun and exciting! It’s not the time to worry about possible circumstantial incidents and health issues. As a K1 visa holder, you are able to get health insurance in the U.S. to help ease your mind and your budget if you need medical treatment in the time before you get married.

Get the K1 visa health insurance solution that suits your needs best. And go enjoy your wedding day!

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Frank Gogol

I’m a firm believer that information is the key to financial freedom. On the Stilt Blog, I write about the complex topics — like finance, immigration, and technology — to help immigrants make the most of their lives in the U.S. Our content and brand have been featured in Forbes, TechCrunch, VentureBeat, and more.