Does US health insurance work in Aruba?

Most US health insurance plans do not cover routine care in Aruba. Medicare does not pay for services outside the US, with very limited exceptions for emergency care near the border. Standard employer-sponsored plans typically reimburse only emergency treatment abroad, and even then often at out-of-network rates with significant out-of-pocket cost. Long-term residents enrol in Aruba’s national health insurance (AZV), which is mandatory once you hold a residency permit. International health insurance plans (Cigna Global, GeoBlue, IMG) cover non-residents and remote workers and run roughly $1,500 to $4,500 a year per adult depending on age and coverage. Travel insurance covers short stays only. For the full cost picture, see our Aruba cost of living page.