Confused about ACA Health Coverage after an extended stay abroad? Here’s a Detailed Guide

This case of an expat returning to the US offers insights about common coverage questions and solutions under the ACA. This blog will explore relevant ACA aspects and provide guidance to ensure you stay protected.

Moving to another State and ACA Coverage

If you move within the US, there’s a 60-day special enrollment period to buy health insurance through the Marketplace. You qualify as having a change in residential address. However, you must update your Marketplace application to reflect your new address.

Short-Term Health Plans vs. ACA Plans

Short-term health plans do not meet ACA requirements and may not provide essential benefits. They are typically less expensive but may have coverage gaps, high deductibles, and limited access to providers. ACA-compliant plans offer comprehensive coverage and protect you from pre-existing conditions.

Coverage Options for an Expat

It’s crucial to understand your coverage options before returning to the US.

  1. Marketplace Plans: Explore plans through the Health Insurance Marketplace. Select a plan that meets your needs and budget. Ensure it covers you in multiple states and has an affordable deductible and copay.
  2. Employer-Sponsored Insurance: If you have a job offer in the US, employer-sponsored insurance may be an option. Employer plans often offer competitive rates and comprehensive coverage.
  3. COBRA: If you had health insurance through your previous employer, you may be eligible for COBRA. COBRA allows you to continue your previous coverage for a limited period after leaving your job.

Finding the Right Plan

To find the right plan, consider these tips:

Estimate Your Income: Determine your estimated income for the year to qualify for potential premium subsidies.
Review Plan Details: Carefully review plan details, including coverage, deductibles, copays, and out-of-pocket costs.
Talk to a Licensed Agent: Contact a licensed health insurance agent who can guide you through your options and help you find a plan that meets your specific needs.

Remember that health insurance is vital for protecting your well-being. Take the time to research your options and make an informed decision to ensure you have the coverage you need.

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