How do I cover health insurance gaps in my first months in the US?

Don't go uninsured even briefly, one ER visit can cost tens of thousands. If you start a job, find out exactly when employer coverage begins; many plans have a waiting period of up to the first of the month after you start, leaving a gap. Bridge it with a short-term or visitor/newcomer medical plan, or COBRA-style continuation if you had prior U.S. coverage. Students usually must carry a school health plan. If you're between jobs, the ACA marketplace (HealthCare.gov) may offer coverage, and a move to the U.S. or loss of coverage can be a qualifying life event for a special enrollment window. Confirm your start-of-coverage date in writing and buy a bridge plan for any gap. See wealthserene.com/tools/insurance-calculator.