Chat with us
Good Neighbor Insurance
  • plans
    • Travel InsuranceFor trips from 2 days to 2 yrs
      • Recommended / All Plans
      • COVID-19 Coverage
      • Pre-existing Conditions
      • Trip Cancellation
      • Annual Plans/Frequent Fliers
      • Traveling While Pregnant
      • Over 65
      • Emergency Evacuation Only
      • Adventure Sports
      • Inside the USA
      • More Options
    • Int’l Health InsuranceFor relocating/moving abroad
      • Recommended / All Plans
      • COVID-19 Coverage
      • Nomads
      • Maternity Coverage
      • For Canadians
      • International Term Life
      • For Furlough/Sabbatical
      • Supplemental Plans
      • International Students
      • Local Nationals
      • More Options
    • Group Travel PlansFor teams traveling together
      • Recommended / All Plans
      • COVID-19 Coverage
      • Trip Cancellation
      • Over 65
      • Pre-existing conditions
      • Personal Liability
      • To the USA
    • Int’l Group Health Plans(For organizations/employers)
      • Group Health Plans
      • Supplemental Plans
      • Census Forms/RFP forms
      • For Small Groups
      • The Process
      • Free Guides
  • resources

    Resources

    • Blog
    • Videos
    • Ask Doug
    • Free Guides
      • Trip Guides
      • Top Three Travel Risks
      • Free Guide To Travel Safety
      • Travel Medical Guide 101
    • Glossary
    • Ask Jeff
    • Helpful links:
      • Get Involved
      • Mission Resources
      • Responding to Crisis
      • Social Good Resources
      • Gap Year Resources
      • Volunteer Opportunities Overseas
  • company

    About us

    • Who We Are
    • Our Values
    • Testimonials
    • Meet The Team
    • Our Friends
    • Contact Us
    • Get a Quote
(480) 813-9100 Quote Chat

Blog

Good Neighbor Travel Insurance Blog

How does ACA law work for expats?

July 27, 2015 By : Doug Gulleson

How does ACA law work for expats? Or for those traveling and visiting other countries throughout the year? This is a question we get quite often from many of our international clients. Good Neighbor Insurance also provides international medical insurance for expats living overseas long term.

Here is the summary of the H.R. 4414 law that was passed late last year. Keep in mind the key here is spending more than six months out of a calendar year outside the U.S. If you spend less than six months per calendar year overseas than you have to obey the ACA (affordable care act) laws. If you do not get health cover in the U.S. you will be then penalized/taxed. If you have any questions call us at 480-633-9500 here Phoenix Metro, Arizona. Or email us at info@gninsurance.com.

Here is the link to this law, https://www.congress.gov/bill/113th-congress/house-bill/4414, as well as this law shown below.

Expatriate Health Coverage Clarification Act of 2014 – Exempts expatriate health plans, employers acting as sponsors of such plans, and health insurance issuers providing coverage under such plans from the health care coverage requirements of the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010.

Deems expatriate health coverage to be minimum essential coverage for purposes of meeting the individual responsibility requirements of the Internal Revenue Code.

Declares that a qualified expatriate (and any dependent) enrolled in an expatriate health plan shall not be considered a U.S. health risk for purposes of assessing the annual fee on health insurance providers that provide health coverage to any U.S. health risk for any year after 2014.

Establishes a special rule for calculating the amount of this fee for calendar 2014.

Defines a “qualified expatriate” as: (1) a participant in a group health plan who is an alien residing outside the United States, a U.S. national, a lawful permanent resident, or a nonimmigrant about whom there is a good faith expectation of being abroad, in connection with his or her employment, for at least 180 days in a 12-month period; or (2) an individual who is abroad as a member of a group determined appropriate by the Secretary of Health and Human Services (HHS).

Doug Gulleson

Search Results

EZ short term medical insurance in the United States

September 19, 2016

EZ short term medical insurance in the United States is a great way to have strong medical coverage if you are waiting to get on an ACA (Affordable Care Act) insurance option. Or if you are visiting the U.S. for under six months this type of short term medical coverage will work perfectly for you.  You […]

Read Article

Understanding the basics of HRAs – Health Reimbursement Account(s)

May 18, 2011

Good Neighbor Insurance (www.gninsurance.com and www.gninsurance.com) is continuing to update our clients on the new health insurance laws that were signed into law in the spring of 2010.   There are six major coverage options for those in the US and even though some of the rules and regulations are similar for all many differences are […]

Read Article

COBRA – 2012 news

March 7, 2012

COBRA refers to the Consolidated Budget Reconciliation Act of 1985, and specifically to the Title X of the Act.  This benefit allows the member of a group policy, who has lost their coverage due to a “qualifying event” to continue coverage the former employee’s expense for a period of time.  This is the same group […]

Read Article

Timeline on the new U.S. health insurance law starting in 2010

November 5, 2010

Good Neighbor Insurance (www.gninsurance.com and www.gnazhealth.com) is continuing to update our clients on the new health insurance laws.   There are six major coverage options for those in the US and even though some of the rules and regulations are similar for all many differences are there and it all depends on how old you are […]

Read Article

Repeal and Replace – The Future of the Affordable Care Act

November 14, 2016

Latest news on Repeal and Replace ACA Healthcare (aka Obamacare) What does Repeal and Replace mean looking forward to 2017 and a Republican-controlled Executive Branch, House and Senate? What might change for group health plans/employers, for expatriates and for government subsidies? This topic was the focus on the Diane Rehm Show on NPR Radio (with […]

Read Article

PPACA Q&A – Global Citizen/Global Navigator international career health insurance

September 11, 2013

Good Neighbor Insurance brokerage firm (https://www.gninsurance.com/), out of Phoenix Arizona, is a world class leader in providing international health insurance benefits to our guests traveling and residing outside the U.S. since 1997.  In fact, our mission statement states:  Good Neighbor Insurance serves and protects travelers, expatriates and international organizations, using professional and overseas experience to […]

Read Article

Copyright © 2021 Good Neighbor Insurance All rights reserved.

  • About Us
  • Site Terms
  • Privacy Policy