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Good Neighbor Travel Insurance Blog

How do ACA laws work for U.S. expatriates?

November 2, 2015 By : Administrator

How do ACA laws work for U.S. expatriates? Especially when it comes to international group medical insurance benefits? When the U.S. federal government created the ACA (affordable care act) laws they did not realize the extra questions it would generate, especially for U.S. expatriates.

The key to all the ACA laws is that it is related to those residing/living in the U.S. for longer than six months (if you are an expat). If you change from expat status to U.S. resident status, not going back overseas, then you have up to two months (SEP – special enrollment period) to get on an ACA U.S. domestic insurance. Since the ACA laws have fines/penalties it falls also into the IRS jurisdiction. Thus, ACA is not only about your health insurance in the U.S, but also falls into the tax arena when we file our taxes each year. You may go here to our main PPACA page at Good Neighbor Insurance, https://www.gninsurance.com/resources/aca-impact-international-insurance/, for all the information related to expats and PPACA.

Good Neighbor Insurance is an international insurance broker for many international medical insurance companies. Below is information on some of the international insurance companies we represent relating to the ACA laws for U.S. expatriates.

You may be on a PPACA compliant plan now with Aetna International or with Cigna International, but you have not needed to be on one.  Granted, the rules for individuals coming back to the States have been an evolving target, so being compliant is an easy fix.  But all along the way, we have been able to obtain from MetLife and Aetna International non-compliant quotes.  IMG and WEA have never really offered PPACA compliant plans because of the way they are licensed in the U.S.  This is not an issue or a problem; it’s just different approaches to the international medical insurance market.  It has turned out now, with the legislation in December, that expats are indeed not subject to PPACA plan rules as long as they are on a group plan where a “substantial number of people on that plan” are out of the country six or more months out of the year.  So now Aetna and Metlife are all of a sudden willing to promote their non-compliant plans.

While some items continue to change with PPACA in regards to expats, the main tenant that we will stake our answers on right now is the new Clarification Act law in December 2014, which excludes individual expats from PPACA compliance, so long as they are part of an expat group plan.  So overall, expats are exempt; so as long as they are on that group plan, they are exempt and can answer their IRS question on their taxes that they are exempt.

We at Good Neighbor Insurance are always here to serve our guests, you! Please call one of our trained international medical insurance agents at our toll free number, 866-636-9100 or email us at info@gninsurance.com. Or you may call our Arizona office at 480-633-9500.

Administrator

Search Results

How to Change the World – A “kid’s” perspective

July 9, 2014

At Good Neighbor Insurance, we work everyday with those who are working at their dreams to help change the world. And almost all of them are doing something about it that’s tangible and life-bringing. But what about you? What are your dreams? What are you passionate about seeing change? We wondered what a “kid” might […]

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Health Care Reform Timeline from 2010 to 2018

January 27, 2015

Health Care Reform Timeline from 2010 to 2018 The health care reform bill, the Affordable Care Act (ACA), was signed into law on March 23, 2010. The ACA makes sweeping changes to the U.S. health care system. The ACA’s health care reforms, which are focused on reducing the uninsured population and decreasing health care costs, […]

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What the new health insurance law of 2010 means to you

April 14, 2010

Good Neighbor Insurance is continuing to update our clients on the new health insurance laws to you, our clients.  It may seem confusing at first but as we “walk” through these laws we will learn the “upside” and the “downside” of what it means to us.  With all the changes on the horizon, one of […]

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U.S. short term insurance for U.S. residents

November 30, 2015

U.S. short term insurance for U.S. residents is a nice short term plan for those needing a “bridge” plan before they get on an ACA (affordable care act) policy.  Our Petersen EZ short term major medical can be purchased with no health questions.  There is no zip code rating, no extra association or policy fees, […]

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Small business information on PPACA

September 6, 2013

There is a lot of great information online for small and mid size businesses on the new PPACA laws.  However, here is a great site specifically for small business.  The NFIB has done a fabulous job in having everything in one spot for small businesses when dealing with the new health care laws / PPACA  […]

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Impact of the Cadillac will start in 2018

April 21, 2015

 Impact of the Cadillac will start in 2018.  This could be a big deal for those that have a very rich benefit health care policy.  The tax on high-cost health plans, which are often referred to as Cadillac plans, is expected to impact a considerable share of the plans provided by healthcare orga­nizations for their […]

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