ACA Health Insurance: Coverage Options for Temporary Residents

As a US citizen, you may wonder how you can maintain health insurance if you plan to spend a portion of each year abroad. The Affordable Care Act (ACA) offers flexible options for individuals who require health insurance coverage for less than a full year.

Short-Term Coverage

The ACA permits you to purchase short-term health insurance plans that provide coverage for less than 12 months. These plans are ideal for individuals who need temporary coverage, such as those planning to spend a few months abroad. Short-term plans offer a more affordable option compared to year-round ACA plans and can provide peace of mind knowing you have coverage during your time in the US.

Qualifying Life Events

If you qualify for a life event, you can enroll in an ACA plan outside of the open enrollment period. Some qualifying life events include:

Loss of health insurance due to job loss or a change in employment
Marriage or divorce
Birth or adoption of a child
Permanent change of residence (moving to a new state)

If you have a qualifying life event, you can enroll in an ACA plan that will provide coverage for the remainder of the year.

Travel Insurance

If you plan to travel outside of the US for an extended period and will not have access to US health insurance, you may consider purchasing travel insurance. Travel insurance policies typically provide coverage for medical expenses, lost luggage, and other unforeseen circumstances while traveling.

Consider Your Options

The best option for you will depend on your individual circumstances. If you need temporary coverage for a few months, a short-term health insurance plan may be a suitable solution. If you plan to spend a significant portion of the year abroad, travel insurance may be more appropriate. It’s important to weigh the costs, benefits, and limitations of each option to make the best decision for your health and financial needs.

If you’re uncertain about your eligibility for ACA coverage or which option is right for you, it’s highly recommended to consult with a licensed health insurance agent who can provide personalized guidance and assist you in finding the most suitable plan that meets your specific requirements.