Let’s say I decide to leave the firm and lose access to health insurance benefits (medical, vision, dental). As an American citizen, do I still need to pay for and maintain some sort of insurance policy while living abroad for 3 months? (Aka is health insurance mandatory?)

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Not mandatory anymore. There is no penalty when you file your taxes since 2018. If you can afford a health insurance, it's your decision if you want to take the risk of not having one.

Even when there was a penalty, being outside the USA or a gap of up to 3 months were permitted exceptions. State rules may differ.

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