Introduction
Getting your E-2 visa approved is a moment of triumph. You’ve popped the champagne, booked your flights, and said your goodbyes. But once you land at JFK or LAX, reality hits.
The US system is fundamentally different from the UK. There is no NHS. Your credit score doesn’t transfer. And the taxman (the IRS) is notoriously aggressive.
We have seen too many British clients land in the US only to realize they can’t lease a car or get a doctor’s appointment. Here is your “Life Admin” survival guide for the E-2 transition.
1. The Credit Score Shock
In the UK, you might have a perfect Experian score. In the US, this is known as having no credit history.
The Problem: Without a US credit score, you may be rejected for apartment leases, car loans, and mobile phone contracts.
The Solution: Before you leave, check if your UK bank (like American Express or HSBC) offers a “Global Transfer” service. They can often use your UK history to open a US account or issue a US credit card the day you arrive. Services like Nova Credit can also “translate” your UK credit file for US lenders.
2. Healthcare:
The Biggest Expense There is no free public healthcare for E-2 visa holders. You are on your own.
The Reality: A single trip to the ER for a broken leg can cost $5,000+. You must budget for private health insurance.
The Cost: Expect to pay $500–$1,500 per month for a family plan. Do not rely on “travel insurance”—it won’t cover you once you are a resident.
3. The “Substantial Presence”
Tax Trap Just because you are British doesn’t mean you escape the IRS.
If you stay in the US for over 183 days, you will probably be considered a US tax resident.”
The Impact: The US taxes residents on their worldwide income. If you sell a flat in London or have an ISA, the IRS wants to know. You need a cross-border accountant to ensure you don’t get double-taxed.
4. Visa vs. Status
(The 2-Year Rule) This is a specific trap for UK citizens that catches people out every year.
Your Visa: Valid for 5 years.
Your Status (I-94): Valid for only 2 years per entry.
The Danger:
Even if your visa expires in 2028, if you entered in 2024, your permission to stay expires in 2026. You must leave the US and re-enter (or file an extension) before that 2-year date.
Why Legal Support Continues After Approval The E-2 journey doesn’t end when you get the stamp. Renewals, extensions, and status management are ongoing. Having a trusted e2 visa lawyer on speed dial ensures that a simple administrative oversight doesn’t jeopardize the life you’ve built.
Conclusion
Moving to the US is an adventure, but it requires military-grade planning. The E-2 visa gives you the right to be there; preparation gives you the ability to thrive.
Next Step: Need help planning the timeline of your move? Contact Kulen Law Firm to ensure your arrival and business launch align perfectly with US regulations.
