ACA Health Insurance: Coverage Options When Moving Abroad

In today’s globalized world, people are increasingly moving abroad for study, work, or personal reasons. If you’re planning to move abroad, it’s important to understand the implications for your health insurance coverage under the Affordable Care Act (ACA).

ACA Coverage & Moving Abroad

The ACA is the health care reform law enacted in the United States in 2010. It provides health insurance coverage to millions of Americans, including those who move abroad.

If you’re moving abroad temporarily (less than 6 months), you can keep your ACA coverage by continuing to pay your premiums. However, if you’re moving abroad for longer than 6 months, your ACA coverage will end.

Health Insurance Options After Moving Abroad

Once your ACA coverage ends, you’ll need to explore other health insurance options. There are a few different options available:

International health insurance plans are designed for people who are living or traveling outside of their home country. These plans typically cover medical expenses incurred abroad, including doctor visits, hospital stays, and prescription drugs.
Travel health insurance plans are designed for people who are traveling abroad for a short period of time (usually less than 6 months). These plans typically cover medical expenses incurred during your trip, including doctor visits, hospital stays, and emergency medical evacuation.
Foreign health insurance plans are designed for people who are living in a foreign country for an extended period of time. These plans typically cover medical expenses incurred in the foreign country, including doctor visits, hospital stays, and prescription drugs.

Choosing the Right Health Insurance Plan

The best health insurance plan for you will depend on your individual circumstances. Factors to consider include:

Your destination
The length of your stay
Your health coverage needs
Your budget

It’s important to compare different plans and choose the one that best meets your needs. You can get quotes and compare plans from different insurers online or through a licensed insurance agent.

Additional Considerations

In addition to health insurance, there are other important considerations to keep in mind when moving abroad. These include:

Visa requirements
Cost of living
Taxes
Cultural differences

It’s important to do your research and prepare for these factors before making your move.