Moving abroad is no longer a far-off idea for many Americans. For some, it's about better work-life balance or more time with family. For others, it's the opportunity to experience new cultures, reconnect with heritage or build a different kind of daily life.
Interest in relocating abroad isn’t just anecdotal. According to a 2025 Harris Poll survey, 42% of Americans have considered or plan to relocate outside the U.S., with particularly strong interest among younger generations seeking quality of life and financial stability1.
While the appeal is real, relocating overseas is a major life change. Many of the most important considerations don't surface until planning is well underway. Understanding them early can help you avoid surprises and make confident, informed decisions as you prepare for your move.
No matter what stage of planning you’re in, we’re here to help.
Whether you're early in your research or narrowing down next steps, reliable information matters. Below are some of the most common things people overlook when planning a move abroad-and how to prepare for them.
1. Understanding visa options and requirements.
You may already have a dream destination in mind, whether it’s the UK, Italy or Ireland. Each country has its own visa rules, timelines and eligibility criteria.
Common visa types include:
- Digital nomad or remote work visas
- Family or spouse visas
- Citizenship through ancestry
- Retirement visas
Many visas come with income thresholds, documentation requirements and proof of health insurance. Requirements can change frequently, so understanding visa rules early can save time, money and stress later in the process.
2. Employment restrictions for remote workers.
It's a common assumption: if you work remotely, you can work from anywhere. In reality, employment regulations often make this more complex.
Even with a U.S.-based employer, working abroad long-term may raise tax, payroll or compliance issues. Some employers aren't able to support international arrangements, which can affect your flexibility or require changes to your role.
Before relocating, it’s important to understand what your employer allows—or explore local employment options in your destination country.
3. Cost of living and financial planning.
Depending on the location, living abroad can be more affordable than life in the U.S. Still, a move of this scale requires thoughtful financial planning.
Questions to consider include:
- Will you sell your home or belongings to help fund the move?
- Will you work locally or remotely?
- Do you meet visa income requirements?
There are also expenses people often forget to budget for, such as:
- Visa application and document legalization fees
- Tax preparation, including U.S. and international filings
- Import taxes and shipping costs for household goods
Understanding these costs helps you build a realistic moving abroad checklist and avoid financial surprises.
It’s also important to budget for differences in everyday costs:
- Housing and utilities: Rent, deposits and what’s included can be very different from U.S. norms.
- Transportation and daily expenses: Public transit, fuel, groceries and dining costs vary widely by country.
- Taxes and currency changes: Local taxes, required contributions and exchange rates can affect your true cost of living.
4. Healthcare benefits abroad.
Healthcare is one of the most important—and most frequently underestimated—aspects of moving abroad.
Many countries require proof of health coverage as part of the visa process. Healthcare systems also vary widely in how care is accessed, paid for and coordinated. Because most U.S. health plans do not cover routine or emergency care outside the country, many people include international health insurance as part of their relocation planning.
This isn't just theoretical. According to BCBS Global Solutions/ICI research, healthcare consistently ranks among the top considerations for people planning to live abroad:
- 72% of global expats say international health insurance is worth the cost for the peace of mind it provides1
- 63% research international health insurance, compared to 57% who research expenses and 38% who research safety1
These insights reinforce what many people discover during planning: the right healthcare coverage plays a central role in protecting both your health and your ability to settle confidently into life abroad.
5. Mental health and culture shock.
Life abroad is often imagined through highlight reels-beautiful places, new routines and everyday novelty. The reality is more layered.
Living in a new country means navigating unfamiliar systems, customs and social norms. It can feel isolating at times, especially when you're far from friends and family. Many people experience predictable stages of culture shock: honeymoon, frustration, adjustment and acceptance.
Ways to support your transition include:
- Getting out and exploring your new surroundings
- Learning some of the local language
- Establishing daily routines
- Exploring the local community gradually
- Staying connected with friends and family back home
Feeling both excitement and challenge at the same time is normal—and manageable—with the right expectations and support.
How Blue Cross Blue Shield Global SolutionsSM supports your move abroad.
When you plan a move abroad, trusted support can reduce stress and protect your well-being.
Blue Cross Blue Shield Global Solutions supports individuals and families living abroad by helping them access care, understand local healthcare systems and stay supported wherever life takes them. Our international medical plans are designed to reflect the realities of living overseas-not just traveling-and can be part of a thoughtful, well-prepared relocation plan.
Learn more about health insurance for moving abroad.
