If you plan to stay in the United State for an extended period of time, you may need insurance that complies with the Affordable Care Act, or ACA. Your travel health insurance plan won’t satisfy ACA requirements or replace major medical insurance. Travel medical insurance is meant for short-term or intermittent stays in a foreign country. If you need ACA-compliant medical coverage, you can visit HealthCare.gov for more information or speak with a local health insurance agent or company.