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and yet another update for US tax payers on Obamacare ..god news for most!

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US crew ACA (Affordable Care Act) HEALTH INSURANCE UPDATE ...
Basically US tax payers are exempt from having to have a ACA health plan if outside of USA 330+ days ... That's pretty crazy as ACA plans offer no cover outside of USA. The tax penalty is minimal (1% of declared income or $95 whichever is greater the first year.) IF YOU WOULD LIKE TO SEE THE COMPLETE FAQ SHEET email me: anita@seven
seashealth.com
Affordable Care Act (ACA) FAQs
"Are U.S. citizens living outside the U.S. affected by the ACA?
If you reside outside the U.S. for 330 days or more per calendar year, you are exempt from ACA rules. If you are covered by an expatriate group plan purchased in the U.S. by your employer, you meet ACA requirements. If you do not fall into either of these categories, certain rules apply."

New rule from the Obama camp is that you may keep your existing policy through 2016 now and not be penalized. This is true for FL. Other states view it differently. (I can send you the map!)

If you have no insurance at all by April 1 (means applying by March 15 for ACA!) you may be penalized. For most yachties US domestic plans are not really the way to go as there is no cover outside of USA and a Medevac is an exercise. I know, I've had two!
One can still buy international individual (often cheaper than US domestic cover) or group plan by APRIL 1 to avoid penalty.

So I will need two policies: ACA compliant for domestic use ($6000+ per year) and a foreign going one. Where's the 'affordable' part?
Posted by: Dale Cheek at 15/03/2014 01:10


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Posted by: wq at 04/08/2015 09:34


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