I am taking a long-term international trip of around 11 months. I am quitting my job, and so will lose my health insurance.
I am looking at different travel health insurance plans such as World Nomads and HTH. I will likely not have any domestic health coverage.
My concern is that when I return from the trip, whether or not US Insurers will recognize my travel health insurance as "credible coverage" and not as a gap in insurance (for which I could be excluded from coverage for certain conditions by a future insurer under U.S. law)
Does anyone have experience with this, returning from a long-term trip and trying to get insured?
After researching World Nomads, IMG Global, and HTH Worldwide, I ended up selecting the highest possible deductible ($25,000) plan with HTH. This gave me a global health insurance plan (incl. USA) that cost about the same as the World Nomads plan, but without any of the additional travel coverages like trip cancellation, interruption, baggage coverage, etc. This plan counts as "creditable coverage" by US standards and is the least expensive plan I could find if your goal is just maintaining "creditable coverage".