Expat Health Insurance Recommendation

I cannot provide information on health insurance since my US plan covers me overseas (but not for medical evacuation, which is a very serious matter to consider).

I want to be sure you are aware that US citizens can only travel within the Schengen Zone (which includes many, many countries in continental Europe) for 90 days within any rolling 180-day period. Staying more than 90 days within 180 can lead to a large fine upon departure and being banned from the Schengen area for a period of years.

A map of the Schengen countries can be found here. The green countries are Schengen; Croatia may be folded into the Schengen Zone fairly soon, so you'd need to keep up with that if Croatia is on your itinerary. Note that US citizens only need Schengen visas if they wish to stay more than 90 days. Those visas are complicated to obtain and are not intended for people who just want to travel around Europe for more than 90 days.

There are ways to travel in Europe for a year without a visa by judicious use of stays in non-Schengen countries like Ireland and the United Kingdom, but it takes careful planning.

It's important to understand that in counting your days in the Schengen Zone you must include both the day you arrive and the day you depart.

Edited to add: A lot of people use the websites insuremytrip.com and squaremouth.com to research options for travel-related insurance. I assume you can screen for solely-medical policies.

Try GeoBlue. I bought an annual policy from them when we were making multiple trips overseas within a 12 month period. My husband and I are in our early 60’s also.
I have also used InsureMyTrip and SquareMouth to search for options. I believe GeoBlue will come up as an option in SquareMouth. Good luck!
https://www.geobluetravelinsurance.com/mobile/trekker-choice-multi-trip.cfm

If a US citizen wants to stay in the Schengen Area above the "90 days in any 180" limit for tourists, they need to get a visa from whichever country they want to spend the extra time in.
Important point: by applying for a visa, you are applying for permission to be a legal immigrant (resident). You are then covered by that country's laws and would need to get cover according to their laws, i.e. insurance in that country.

And before you ask, no you can't get extra time by leaving the Schengen Area and returning. That is the meaning of "in any 180 days". You must ensure that you always spend less than 50% of your time in the Schengen Area.
Schengen Area map here: https://ec.europa.eu/home-affairs/sites/homeaffairs/files/schengen_map.jpg

Other countries (non-Schengen) have their own limits as well.

Looking at Rhett's previous post ~2 months ago (here: https://community.ricksteves.com/travel-forum/transportation/long-term-car-rental-or ) he has already been warned about the Schengen limits. He stated there he was a Luxembourg citizen, but his wife wasn't. It was explained she needed a visa.

@Rhett
Once you exceed the 90 day tourist limit, you become a resident and at some stage that country's laws start applying. This means you are covered by whatever health system they have in that country. This can vary from "everything is covered by taxes" to various subsidised systems where you have to buy insurance from a locally regulated company.
At some stage (usually > 6 months stay) you become liable to pay income tax in that country.

As others are pointing out, the VISA issue is a bigger concern for your travel schedule. Once that is resolved there are lots of medical policies that will cover you. Since routine medical expenses in Europe are relatively cheap even for tourists, you really only need insurance for major items and that would include evacuation for a serious problem. Once evacuated back to the US, your regular insurance kicks in. The premium for these plans are pretty modest - maybe around $500.

Yes, I have already researched the 90/180 day rules. I'm good on that. I was looking for suggestions on actual insurance companies. Kathrynn did provide a suggestion it was GeoBlue (BC/BS). Several others I've seen include Cigna, Meridian, PA Group, GeoBlue, GMI, Aetna. I'm seeing a monthly premium in the range of $200-$250/month for my age.

You might just look for evacuation and catastrophic s many simple reasons you'd go to the doctor are pretty "cheap" to just pay out of pocket.

I've had both BC/BS and Aetna federal plans at different times. I will say that BC/BS was a bit easier to work with in terms of getting answers to questions over the phone, etc. However, my major problems with Aetna have been related to getting over-90-day supplies of prescription meds prior to my long trips, and that is not something an international plan will cover (I assume), so it's a battle you'll need to fight with your existing insurance company.

I do not know whether it is safe to extrapolate from my experience with BC/BS and Aetna domestic insurance plans (although both cover me overseas) to purely international plans offered by the same companies.

As a Luxembourg citizen wouldn't you just use your EHIC card in conjunction with your Luxembourg medical coverage?

Use Square Mouth or Insure My Trip for a yearly plan. We paid $300 or so for the two of us for a year of medical care plus evacuation insurance.

Are you planning on giving up your current US health insurance for the year of your travels? The GeoBlue policy requires that you have a primary insurance policy. That will be the case with most policies.

Also, that policy is really designed for "multiple trips", each up to 70 days in length. There may be a provision in the precise language that prohibits use for an entire year on one trip.

Have you carefully checked your existing health insurance? It is possible it provides for emergency treatment of illness or injury abroad, plus transport back to the US for ongoing treatment if needed. If transport is not included, you could get a simple evacuation policy like MedJet Assist.

As a Luxembourg citizen wouldn't you just use your EHIC card in
conjunction with your Luxembourg medical coverage?

I'd guess the OP is not eligible for an EHIC.

Thanks for the last round of tips/suggestions. I don't have EHIC card because I'm not a tax paying resident in any European countries. I'm a dual citizen living in the US, so I don't have an IN number to apply for the EHIC. I found a handful of companies that offer medical coverage, evac services and a menu of other things I probably will never use. The cost on a monthly basis ranges from $115/month to $250/month. This comes with a range of deductible level options and some menu-like extras. Typically these are paid in-full, up-front for the full year. As reference, I currently pay $500/month for basically catastrophic coverage ($7,300 deductible) in Minnesota.

Several people above suggested an annual plan through GeoBlue or another company that offers this. The problem with this is that many of these annual policies will only cover individual trips up to 31 days in length. The prices are good for these but probably won't work for your purposes. I would go onto a website such as insuremytrip.com, put in your dates and other information, and see which policies will work for a trip like this. You can also call them to arrange travel insurance.
Others have already chimed in on the Schengen rules so I won't go there.

I have just purchased policies from MSH International for a year's expat insurance each for myself and my husband. The quoted price was right, at $900 USD/year each, until they added hefty surcharges for what we considered minor or long-ago health issues. We ended up at just over $1500 each for the year. I've read the policy and the coverage seems good, and it's loads cheaper than the Allianz policy we were considering. And maybe you're younger and fitter than we are and won't have surcharges applied.

However, I can't tell you anything about them beyond price. I'll know more over the next year.