Affordable Care Act for Cruisers - SailNet Community
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post #1 of 2 Old 05-06-2013 Thread Starter
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Affordable Care Act for Cruisers

I'm getting quotes on major-medical insurance for our trip this year. As you probably know, out-of-U.S. insurance is much cheaper than in-U.S. insurance. So I've been hoping to get month to month coverage for the months we will be in the U.S. and then an international travel policy while we're away, picking up an in-country policy after we return until my husband's employee benefits kick in again.
But the insurance sales rep I just talked to informed me that, because of the affordable care act, the only open enrollment time for 2014 will likely be this fall and our in-country policy would have to start in January 2014 even though we don't want to pay those higher premiums until June. She said the info isn't firm yet, but that there will likely be very few exceptions offering opportunities for anyone to get insurance after that point in the year. I've searched for expatriate information, but most of that assumes we will be working while out of the country. Has anyone else had any experience with this issue or do you have any advice on how to find out for sure once all the dust settles?
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post #2 of 2 Old 05-06-2013
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Re: Affordable Care Act for Cruisers

The only thing I know, at this point, is that you will have to attest to having "qualifying coverage" (meets their rules) on your 1040, or be liable for a tax (it's actually a fine or penalty in the real world, but they had to call it a tax to be constitutional). So you'll have to have qualifying coverage by the time you file your 1040 ... Probably ... Of course, since the only thing certain about the whole thing is that nothing is certain, you may qualify for an exception on a case by case basis.

There are some exceptions, but I don't see how you qualify, unless possibly on the short-term (90 day) no insurance exception. Good luck trying to get a definitive answer, because I neither have one for you, or have found a place to get one.

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