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lucybelle

More ACA (Obamacare) questions

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I'm moving back to the USA with my esposo. Hopefully by July. Neither of us have USA insurance, and he can't get any until he has a greencard.

 

But, do I need to sign up for ACA?

If I do, can I use my meagerly CR salary to get the discounted price?

If I don't sign up by next week, will I get the fine?

Should I, instead, buy another year of private CR insurance? (mine runs out in May)

 

I know most of us USCs don't have to buy it as we reside outside the USA. But this year I will reside within the USA for about half the year which means I have to have the insurance, right?

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Your CR private insurance may not cover you outside CR. You will need to find out if they do.

 

If you are only going to be in the US for a short time (a few months), then you don't need to enroll in the ACA, but you can buy 'visitor insurance'. If you are going to be there longer, then you will have to enroll in the ACA

 

As far as I know, you don't need to sign up for the ACA until you move back to the US. I have no idea what they will base your rate on. I don't think you will be fined as you are currently living outside the US. There should be some 800 # you can call to get answers.

 

Your husband may have to get 'visitor insurance' if he don't qualify for the ACA. Google "visitor insurance" for more info.

Edited by DanaJ

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So Lucy,

 

How about Travelers' Insurance? Is it issued for as long as six months' time? That should work for either or both of you, especally if you're only to be in the US 'temporarily'.

 

BTW, have you not yet checked on the ACA website? Isn't there anything on their website that explains the requirements for someone who's living abroad but visiting the US temporarily?

 

Good Luck, whatever happens.

 

Paul M.

==

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A quick check of the ACA website produced a link on Exemptions to the fine (which did not address expats)

https://www.healthcare.gov/exemptions/ (Side note: My first time on the ACA site and it seems as bad as I'd read.)

 

A link regarding eligibility for coverage says

"U.S. citizens living in a foreign country are not required to get health insurance coverage under the Affordable Care Act." But it doesn't establish what constitutes "living in a foreign country".

https://www.healthcare.gov/am-i-eligible-for-coverage-in-the-marketplace/

 

I could not find the "outside the U.S. for 330 days of the year" exemption on the ACA site. It appears to rely on the IRS "physical presence" requirement. http://www.irs.gov/Individuals/International-Taxpayers/Foreign-Earned-Income-Exclusion---Physical-Presence-Test This requires 330 FULL days outside to be a foreign resident.

 

Lucybelle, the other requirements for not having to get Obamacare include earning too little to file with IRS. You can use the Interactive Tax Assistant (ITA) on the IRS website to check that for what you expect to earn in 2014.

Edited by CMinCR

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"Lucybelle, the other requirements for not having to get Obamacare include earning too little to file with IRS. You can use the Interactive Tax Assistant (ITA) on the IRS website to check that for what you expect to earn in 2014."

 

I think this is incorrect, even if you make too little to file with the IRS (and aren't you always supposed to file a tax return?), you still have to enroll in the ACA, BUT you get some kind of assistance to pay for it, not sure what they mean by that. I think you get signed up for the most basic coverage plan.

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There is a threshold below which you do not have to file a federal income tax return. That exemption MAY apply if your income is solely derived from Social Security, BUT I'M NOT CERTAIN ABOUT THAT.

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The thing is I'm moving back to the USA. And no, my CR insurance certainly does not cover me in the USA!

 

Turns out my esposo's cousin for whatever reason is some sort of ACA specialist. Go figure. ^_^ Anyways, she told me there's "qualifying life events" and if you meet them then you don't have to apply until 60 days after the qualifying life event. Obviously our event would be moving countries! I won't be fined or have to buy insurance until after we move to the USA.

 

I called the help line and they confirmed this information.

 

Thanks guys! :P

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Yes Dana, there is an income level (depending upon filing status) below which you are not required to file a tax return. One of the tools (Interactive Tax Assistant) can help with that. http://www.irs.gov/uac/Interactive-Tax-Assistant-(ITA)-1

 

Lucybelle, I was not suggesting that you not apply for the ACA (aka Obamacare). I was offsetting the even (yes, Life Event... your post just appeared while typing this) that provides an Exemption to being fined. Glad your cousin-in-law is a specialist.

 

Sounds like you're all set.

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