🇺🇸 United States · Insurance
Insurance in United States — health, travel, and digital-nomad cover, what is mandatory, and how to choose a plan.
Beyond health cover, US insurance has two layers: federal social insurance — Social Security and Medicare, funded by payroll taxes via the Social Security Administration — and private insurance regulated at the state level (auto, home, life, etc.). Auto liability insurance is mandatory in almost every state. To check an insurer is licensed, use your state insurance department (directory via the NAIC).
- Social Security and Medicare are federal social insurance funded by payroll taxes (FICA), administered by the SSA.
- Most private insurance (auto, home, life, health) is regulated by each state, not federally.
- Auto liability insurance is mandatory in almost every state.
- Verify an insurer is licensed via your state insurance department (find it through the NAIC).
Official authorities
- Social Security Administration (SSA)
Federal social insurance (retirement, disability, survivors).
- NAIC — find your state insurance regulator
Directory of state insurance departments.
Official-information aggregation, not legal advice. Always verify on the authority's own site.
Government portals
- The White House — Official residence and office of the US President — executive orders, policy briefings, press releases
- U.S. Department of State — US passport and visa services, travel warnings, embassy information worldwide
- Internal Revenue Service (IRS) — Federal tax filing, refund status, ITIN/EIN applications, and Free File program
- USCIS — Green card, H-1B and work visas, naturalization, immigration benefits, and case status