Clear answers for the insurance nobody else explains.

Yes. Visitor insurance plans such as Atlas America or Patriot America Plus can be bought before or after arrival and cover new medical emergencies during the stay. Most plans exclude pre-existing conditions unless they include an acute-onset benefit, so check that clause first for older parents.

An SR-22 isn't insurance, it's a certificate your insurer files with the state proving you carry the required liability coverage. States typically require one after a DUI, an at-fault accident without insurance, or a license suspension, usually for about three years. Florida and Virginia use the FR-44 for certain offenses instead.

Yes, a non-owner policy covers your liability when you drive a borrowed or rented car. It usually costs less than a standard policy and is the common way to keep continuous coverage between cars or to carry an SR-22 filing without owning a vehicle.

ACA marketplace plans are the main option: they cover pre-existing conditions, premium subsidies apply based on income, and the self-employed can generally deduct premiums. Short-term plans cost less but cover less. Open Enrollment runs from November 1, outside it you need a qualifying life event.

Sometimes. Short-term plans are cheap and start fast, but they don't cover pre-existing conditions, aren't required to include ACA essential benefits, and several states restrict or ban them. Compare the real price of COBRA and a subsidized marketplace plan before choosing one for anything longer than a brief gap.