On Thursday, ExpatInsurance.com and Cigna Expatriate Insurance posted on their websites that the average American is $17,000 in debt and $8,000 out of pocket.
If they spend $15,000 on health insurance, they are at risk of losing about $16,000, or $20,000 a year, they wrote.
They added that if they invest that money, they could get more than $100,000.
“I think it’s really important for people to understand that the insurance is not worth it if they’re not in the situation where they can save that money,” said Sarah Balsamo, CEO of Expat Insuring.
“And if you are in that situation, you should just do what you think is best.”
The two companies’ comments came as the Trump administration took a swipe at insurers and companies that provide health insurance to expatriating workers.
Earlier this month, the Trump Administration imposed a new rule that requires employers with more than 50 workers to cover them.
Employers will now have to offer at least three coverage options: coverage through their own insurance plans or a group health plan that they provide through a third party.
The rule does not affect private plans.
However, it could have an impact on health care providers that provide employer-sponsored health insurance.
That could mean that some insurers may be forced to offer plans that they have historically refused to offer.
That would make coverage less affordable for expatriated workers, said Andrew Miller, a health care policy analyst with the Center for American Progress.
Miller and Balsamosaid that there is a $15 billion market for insurance in the United States and that some of those policies could be priced too high for expats.
Expat insurance offers the cheapest, least expensive coverage available to expats, he said.
Cignus Expatriates insurance, for example, offers an annual deductible of $3,500.
The average premium for the premium plans is $5,300, according to a March report from the Insurance Information Institute.
That means that if an expat had to pay $2,600 for their coverage and that costs them $4,600 a year in medical expenses, they would have to pay more than half of their income.
“If you want to be able to afford health care and you want a good job, you want it to be affordable, you need a high deductible and you need to pay the premium,” said Miller.
“It’s going to be hard for a lot of expats to do that.”
Some expat health plans have been able to survive the Affordable Care Act’s mandate that everyone purchase health insurance through their employers, which has been widely criticized as a form of discrimination against expats who rely on their employer-based health insurance for coverage.
In February, Cignuses insurer said it would stop covering expats that use an employer-paid plan because it would “distort the health-care landscape.”
“There’s going be a lot more pressure on insurers to go with what they see as the cheapest and best insurance that’s going on,” said Balsamsaid.
“You’re going to see some insurers going after their existing customers, or they’re going after those that have been in their current plans.”
In addition to the $5 billion market, Cintas offers health insurance plans for about 2 million Americans and covers some 3 million expats through its corporate health plan, according the insurer.
The company did not respond to requests for comment.
The Trump administration also said in a statement on Thursday that the law “must be extended to all Americans,” but said it has not been extended to expat workers.
It said it will continue to review policies for expat coverage in its marketplace, and the new rule will “allow these plans to continue to operate.”
Expats can apply for a job, but employers are still responsible for their employees’ coverage, according Balsammosaid.
In addition, expats have to report their expat status to the government every year, which could prevent them from gaining access to government benefits, such as the Earned Income Tax Credit, she said.
Some companies have also been offering more generous benefits to expatenes.
For example, Cifas offers a health insurance plan to about 100,000 expats at no cost to them.
But some companies have begun offering health insurance coverage to their employees.
“You need to be looking at the full package,” said Joe Rivello, a vice president with Cifans Expat Insurance.
“When you’re talking about expat, you’re looking at coverage for all employees.
You need to consider expat insurance and that’s something that will be a huge focus.”
On Thursday, the American Association of Retired Persons said that it supports a proposal to extend expat benefits for Americans who are in the U.S. on