Retiring Abroad: Can I Get ACA Coverage While Living Outside the US?

Retiring abroad is a dream for many Americans, but it’s important to plan ahead for your healthcare needs. If you’re considering retiring abroad, you may wonder if you can still get coverage under the Affordable Care Act (ACA). In this blog post, we’ll explore this and other important considerations for health insurance when retiring abroad.

Can I Get ACA Coverage While Living Abroad?

The ACA is the health insurance law that was signed into law in 2010. It expanded health insurance coverage to millions of Americans and made it more affordable for many people. However, the ACA only applies to people who live in the United States. If you’re living abroad, you won’t be eligible for ACA coverage.

What are my options for health insurance when retiring abroad?

If you’re retiring abroad, you’ll need to find other options for health insurance. There are a few different ways to do this:

Buy insurance from an insurance company directly. Many insurance companies offer plans for people who are living abroad. These plans can be more expensive than ACA plans, but they may be your only option if you’re living in a country where the ACA doesn’t apply.
Get travel health insurance. Travel health insurance is a temporary insurance plan that can cover you for a specific period of time while you’re traveling abroad. These plans are typically less expensive than comprehensive health insurance plans, but they may not cover all of your medical needs.
Enroll in a Medicare plan. If you’re eligible for Medicare, you may be able to enroll in a Medicare plan that covers you while you’re living abroad. However, Medicare only covers certain types of medical care, so you may need to purchase additional insurance to cover other types of care.

What should I consider when choosing health insurance when retiring abroad?

When choosing health insurance when retiring abroad, there are a few things you should keep in mind:

The cost of the insurance. Health insurance can be expensive, so it’s important to factor the cost into your budget.
The coverage of the insurance. Make sure the insurance plan you choose covers the types of medical care you may need.
The reputation of the insurance company. Do some research on the insurance company you’re considering to make sure they’re reputable and financially stable.


Retiring abroad can be a great way to enjoy your retirement years. However, it’s important to plan ahead for your healthcare needs. If you’re considering retiring abroad, talk to a licensed insurance agent to learn more about your options for health insurance.

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