Health Coverage That Goes Where Your People Go

We build international group health insurance for US companies with employees living and working abroad, pairing fully insured and self-funded plan structures with a cost-control approach that keeps your benefits budget steady.

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80 years of combined experience across three principals
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More than 20 years specializing in international group major medical
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Fully insured, partially self-funded, and fully self-funded plans under one roof
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Some client groups held to years with no premium increase

A-rated Carriers

Your plan is only as strong as the carrier behind it. We place coverage with A-rated carriers that build products for care across borders, so your people are covered by names that hospitals and clinics recognize worldwide.

Coverage Built for Employees Living Outside the US

A domestic health plan rarely follows an employee across a border. Once your people are living and working abroad, they need insurance for employees working abroad that covers care where they actually are, from a routine visit to an emergency far from home.


For more than 20 years, we have focused on one thing: global medical insurance for companies with staff overseas. That focus is why we can match the plan structure to your group instead of stretching a domestic policy to fit.

Find the Coverage That Fits How Your People Work

Most of the groups we work with need more than one kind of coverage. Start with the line that fits your team, and we will build from there.
International Group Major Medical for Overseas Teams

Our primary focus. We place expatriate group coverage for companies whose employees live and work outside the US, with fully insured, partially self-funded, and fully self-funded structures to match your size and appetite for risk.

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US Group Benefits for Your Stateside Staff

The same employer often has US-based staff who need domestic coverage. We handle medical, dental, vision, group life, and HSA and FSA setup for your team at home, so all of your benefits live under one roof.

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Travel Insurance for Individuals and Short Trips

For individuals rather than groups, we place short-term travel medical and trip cancellation coverage for time abroad, plus coverage for expats returning to the US temporarily.

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Why Work With Expat Solutions International

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When You Call, You Get Us

No call center stands between you and the people handling your plan. When something goes wrong for an employee overseas, you reach one of the three principals who built your coverage, not a queue. We work from our office in Jefferson City, Missouri, and place coverage for US employers nationwide.

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Questions US Employers Ask Before They Switch

  • Q: Who insures employees living and working overseas?

    A: ESI does. We are an insurance brokerage that places international group health insurance for US companies whose staff live and work abroad, and we have focused on this for more than 20 years. When your people are outside the US, that is the whole of what we do.

  • Q: How do US companies cover the health of expat staff?

    A: Most cover expat staff with a dedicated international group medical plan rather than a domestic policy, because domestic plans usually stop working once an employee leaves the country. We build that plan around your group, using fully insured or self-funded structures depending on your size and risk. This is how expat employee benefits are typically set up to actually pay claims abroad.

  • Q: What is the difference between a fully insured and a self-funded international plan?

    A: With a fully insured plan, the carrier takes on the claims risk for a set premium. With a self-funded or partially self-funded plan, your organization takes on some of that risk in exchange for more control and potential savings. We help you weigh which structure fits your group's size and appetite for risk.

  • Q: Can you cover our US-based staff too?

    A: Yes. Many of the employers we work with have both overseas and stateside teams, so we handle domestic US group benefits, medical, dental, vision, group life, and HSA or FSA, alongside the international plan. That keeps all of your coverage with one team.

  • Q: Do you offer coverage for individual travelers, not just groups?

    A: Yes. Alongside our group work, we place short-term travel medical and trip cancellation coverage for individuals, including expats returning to the US temporarily. It is a smaller part of what we do, but the door is open.