Can You Keep Your Affordable Care Act (ACA) Plan While Working Overseas for the U.S. Government?

If you’re a U.S. citizen or resident working for the U.S. government overseas, you may wonder how to maintain your health insurance coverage back home. Let’s explore this topic based on a recent post.

ACA Coverage and Overseas Assignment

The Affordable Care Act (ACA) guarantees health insurance coverage to all Americans, regardless of their employment or income status. However, the coverage typically only extends within the United States and its territories.

If you’re working for the U.S. government overseas, you may be automatically enrolled in a supplementary travelers’ health insurance plan that covers you in your host country only. This plan, like the Accident and Sickness Program for Exchanges (ASPE), is not intended to replace your U.S.-based coverage.

Therefore, it’s essential to maintain your current ACA plan while you’re overseas to ensure you’re protected in case of a medical emergency or if you need to return to the U.S. for medical care.

Maintaining Your ACA Plan

To keep your ACA plan while working overseas, you must meet the following criteria:

You must be eligible for ACA coverage based on your income and citizenship status.
You must be a U.S. citizen or resident.
Your employer must not offer U.S.-based health insurance coverage that meets ACA standards.

If you meet these criteria, you can continue to enroll in an ACA plan through the Health Insurance Marketplace or directly with an insurance carrier.

Important Considerations

Your income while overseas may impact your eligibility for premium subsidies and cost-sharing reductions.
Remember to update your address and contact information on your ACA plan to ensure you receive important communications.
You may need to pay the premiums for your ACA plan out-of-pocket, though you may qualify for subsidies based on your income.

Seek Professional Guidance

If you’re unsure how to maintain your ACA plan while working overseas, it’s advisable to consult with a licensed insurance agent who specializes in ACA coverage. They can guide you through the process and ensure you have the necessary coverage for your needs.