Moving from the US to the UK can feel like stepping into a whole new medical world. You’ve swapped private health plans for a system that’s mostly free at the point of use, but the details matter. This guide cuts through the jargon so you know exactly what to expect, where to turn for care, and how to avoid costly surprises.
The National Health Service (NHS) offers most residents free treatment, but you need the right residency status. If you’re here on a visa that allows you to stay more than six months, you’ll generally qualify for an NHS number. Register with a local GP (General Practitioner) as soon as you land – it’s your gateway to most services, from routine check‑ups to emergency care.
Don’t assume every doctor can see you right away. Apps and online booking systems can be hit‑or‑miss for newcomers, so a quick call to the practice can speed up the process. Bring your passport, visa paperwork, and proof of address (a utility bill works). The clinic will issue an NHS number within a few days, and you’ll get a card that’s handy for prescriptions and referrals.
Prescription costs are straightforward: a flat fee per item, currently £9.35, covered by most private insurance plans if you keep the receipts. Prescription charges don’t apply in Scotland, Wales, or Northern Ireland, so keep that in mind if you travel across the UK.
When it comes to emergencies, dial 999 and head straight to the nearest A&E (Accident & Emergency). You won’t be charged for urgent care, regardless of your insurance status. For non‑urgent issues, your GP can arrange a same‑day or walk‑in clinic, which is often faster than waiting for a hospital appointment.
Many Americans still prefer private cover for quicker access to specialists, private hospitals, or treatments not fully funded by the NHS. Private health insurance in the UK isn’t a one‑size‑fits‑all product – premiums vary by age, health history, and the level of coverage you select.
Typical monthly costs in 2025 range from £30 for basic policies that focus on outpatient care to over £150 for comprehensive plans that include elective surgery and dental. If you’re under 35 and in good health, you’ll find the lower‑end options more affordable. As you age, expect the price to climb, especially if you add extras like physiotherapy or mental‑health support.
When comparing policies, look for:
Top providers in 2025 include Bupa, AXA Health, and Vitality. All offer online portals, so you can track claims, book appointments, and even get virtual consultations.
One smart move is to keep both NHS registration and a private policy. You’ll use the NHS for routine check‑ups and emergencies, while the private plan handles elective procedures, faster MRI scans, and specialist referrals. This combo often ends up cheaper than relying solely on private care, and you still enjoy the safety net of the public system.
Finally, don’t forget dental and vision. The NHS provides basic dental care, but many expats opt for a separate dental plan to avoid waiting lists and get cosmetic work done. Vision coverage is usually limited, so an additional plan might be worthwhile if you wear glasses or contacts.
Bottom line: Register with a GP, understand when the NHS covers you, and choose a private plan that fills the gaps. With those steps in place, you’ll feel confident navigating health care in the UK – just like you did back home, only with less paperwork and more tea.
