With the current state of the U.S. economy, many Americans are searching for low costs living options overseas. Albania has become more and more appealing with its stunning landscape, slower lifestyle, and a growing expat scene, but health insurance is one detail you don’t want to overlook. Whether you're a remote worker, retiree, or veteran using TRICARE For Life, securing the right coverage is essential for both peace of mind and legal residency.

This guide breaks down the most commonly used local Albanian insurers, top international plans for Americans abroad, and what retired U.S. military need to know about using TRICARE. It also includes insights into health care access outside Tirana and tips for choosing a provider based on where you live.

Local Health Insurance Providers

Local insurance plans are affordable and meet residency requirements, but they’re best suited for basic care within Albania. Coverage typically includes outpatient visits, hospitalization, and sometimes dental or vision as add-ons. Download my Complete Healthcare Guide for Expats

Important: Rules around local insurance and residency are always evolving. Some insurers may require proof that your residency application is in progress, while others may accept just a passport and local address. Always contact your chosen company directly via their website, email, or by visiting an office in person.

**Pro Tip:** Wait until you’re physically in Albania before choosing a local provider. That way, you can visit offices in person, confirm which clinics are nearby and meet your standards, and ensure your residency paperwork is underway. This hands-on approach helps avoid surprises and ensures your coverage aligns with your lifestyle.

Access to Care Outside Tirana

Tirana has the best-equipped hospitals and clinics in Albania, including private facilities with English-speaking staff. But outside the capital, access can be limited:

No trauma hospitals exist outside Tirana.
Emergency services are sparse, and ambulances are few.
Many rural and coastal areas rely on small clinics with limited staff and equipment.
Specialist care often requires travel to Tirana or larger regional hospitals.

If you're living in places like Shkodra, Sarandë, Vlorë, Durrës, Korçë, or Pogradec, here’s what to consider:

Shkodra & Durrës: Good access to regional hospitals and private clinics. Sigal and Interalbanian have offices here.
Vlorë & Sarandë: Growing expat hubs with seasonal clinics. Eurosig is a reliable option with local agents.
Korçë & Pogradec: More limited care; best to choose a provider with coverage in Tirana and plan for travel if needed.

International Health Insurance for Americans Abroad

International plans offer broader coverage across Europe and are ideal for frequent travellers or those seeking premium care. These plans typically include emergency evacuation, mental health, chronic care, and direct billing in many countries. Below is a table of the most popular, but check out more resources at Next Chapter Nomad General Resources

TRICARE For Life: What Retired U.S. Military Members Need to Know

If you're a retired service member living in Albania, TRICARE For Life (TFL) can serve as your primary coverage abroad, since Medicare doesn’t apply outside the U.S.

Coverage: Emergency care, urgent care, outpatient and inpatient services

Requirements:

Maintain Medicare Part B
Update your address in DEERS

Claims: Pay upfront, then file for reimbursement
Support Tools:

TRICARE Overseas
MyCare Overseas App for provider search, claims, and translation

TRICARE is a solid option for veterans, but it’s best paired with a local or international plan for smoother access to care and faster reimbursements.

Bottom Line:

Choosing healthcare in Albania as an American expat, specifically for a retired military member involves understanding your coverage options and the local medical landscape. Albania offers affordable healthcare, but public facilities can be inconsistent in quality and access, especially outside major cities like Tirana or Durrës. Retired U.S. military personnel with Tricare Overseas benefit from global coverage, but should verify which private clinics accept Tricare reimbursement. For those not applying for residency, global health insurance plans are essential, offering comprehensive care and emergency coverage without the need for local enrollment. Private clinics are generally preferred for their modern equipment, shorter wait times, and English-speaking staff. Whether you're relying on Tricare, international insurance, or planning short-term stays, it's wise to research providers in advance and ensure your plan aligns with your healthcare expectations abroad.

You’re not alone in this journey, and you shouldn’t have to be. I’ve guided countless Americans through the cultural nuances, emotional ups and downs, and lifestyle shifts that come with relocating to Albania. Now, I’m here to do the same for you. Whether you're overwhelmed by healthcare choices or simply seeking clarity in a new chapter of life, I offer the insight and support to turn uncertainty into confidence. Let’s transform your move into a meaningful, empowered experience. Reach out to Next Chapter Nomads today! Your smoother transition starts here.