Navigating Health Insurance Options as a Citizen Returning from Abroad
The Affordable Care Act (ACA) empowers Americans with various healthcare coverage options, including those returning home after spending time overseas. In this blog, we’ll dive into the nuances of enrolling in US health insurance after residing abroad.
When to Enroll in the Marketplace
Typically, the Health Insurance Marketplace’s open enrollment period runs from November 1 to January 15. However, if you experience a qualifying life event, such as turning 26 years old or returning to the US from abroad, you may be able to enroll outside of this timeframe.
Qualifying Events for Late Enrollment
The following events may qualify you for a special enrollment period:
Loss of job-based health insurance
Change in family status (e.g., marriage, birth, adoption)
Change in income
Address change when moving to a new state
Turning 26 years old
Residing outside the US during open enrollment
Returning from Abroad and Enrollment
As a US citizen returning from abroad, you can qualify for a special enrollment period if you meet one of the above criteria. Once you have a qualifying event, you have 60 days to enroll in an ACA health insurance plan.
Accessing Healthcare while Abroad
If you’re currently studying or living abroad, consider purchasing travel health insurance. This temporary coverage can provide peace of mind in case of unexpected medical emergencies while outside the US.
Seeking Professional Guidance
Navigating health insurance options can be complex. To ensure seamless coverage and avoid penalties, consider consulting with a licensed agent. They can assist you in understanding your eligibility, choosing the right plan, and enrolling within the appropriate timeframe.
Remember:
Open enrollment for the Health Insurance Marketplace runs from November 1 to January 15.
Qualifying life events allow for enrollment outside of open enrollment.
Returning from abroad with proof of residency is a qualifying event for a special enrollment period.
Seek professional guidance to make well-informed decisions about your health insurance coverage.
Question? or Need a Free Quote?
Contact Us
Reach out to us for free expert insurance advice and solutions. We will help you solve ACA (Obamacare) related questions and problems. Will contact you within 24 hours of receiving your message.