Impact of Obamacare/ACA for International students in the US

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Obamacare for international students

PPACA which stands for Patient Protection and Affordable Care Act popularly known as the Obama Care is an President Barack Obama led strategy to make health care affordable and accessible to all United States citizens. The individual mandate of the Obamacare which makes it mandatory for residents to have PPACA compliant health insurance has been repealed by the Trump administration. However this comes into effect only after December 31st 2018, in other words the individual mandate is valid for all of 2018. Millions of people in the US are uninsured and run into huge debt while paying medical bills which tend to be very costly and almost impossible to pay back completely. PPACA is designed to decrease healthcare spending by making health care affordable and accessible to people of United States.

International students and Obama Care

Are international students coming to the US to study in US Universities expected to comply by the ACA rules? Hundreds of thousands of students come to the US every year to study in US Universities. International students are however considered as Non Residents and are therefore not required to comply by the Obama Care. There is however a time limit for this. For the first five years of their stay in US as students they are exempt from ACA as they are categorized as Non Residents and after which they are supposed to undergo the process of categorization depending on their status and the number of years they live in the US and outside the US. According to Obamacare students on J Visa such as teachers, Au pairs, trainees, work and travel visa holders, and high school students are not required to purchase ACA compliant health insurance for up to 2 years.

Since most international students are exempt from PPACA they can buy their own insurance from private insurance companies that satisfy their needs as students. Students must not enrol in any University without health insurance as it can be too harsh on the student to pay his medical expenses in case of unexpected illness and injury. This is the reason that most US Universities have a requirement for health insurance while enrolling a student in the University programs.

There are many US student insurance plans which international students can buy for their health insurance coverage. American Visitor Insurance provides access to many student health insurance plans which do not satisfy Obamacare requirements, but are specifically designed to meet University requirements. Our company contracts with highly popular and best rated insurance companies in the US for student health insurance plans. Our website provides abundant information on the available plans and about the plan to help you select the plan suitable for your situation. Our student travel insurance resources page details all the available tools to get price quotes on the plans suitable to your residential status. We have 24/7 customer support available on phone at 877-340-7910 and contact us online to clarify any questions you might have on the plans and the information on our site.

Resourceful insurance information for international students

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Student Health Insurance FAQs

Commonly asked questions by International Students.
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Health insurance resources

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Factors to consider

Here are some factors that you need to consider while buying health insurance.
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