Impact of Obamacare/ACA for International students in the US

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Covid 19 student insurance for international students in the USA and US students abroad

There are many international students currently in the US either without proper student health insurance, or having medical insurance that does not provide coverage for Covid 19. At American Visitor Insurance, we are committed to getting you the best Covid19 student medical insurance coverage available in these uncertain times.

Earlier students had to buy affordable care act, ACA (Obamacare) compliant medical insurance. However recent changes by the Trump administration has removed this requirement and international students can buy the US student medical insurance plans offered here without violating any US government requirements.

There are however few student insurance plans which insure Covid 19. The Student Secure insurance plans offered by Tokio Marine HCC (HCCMIS) covers Covid19 illness if it is purchased after May 15th 2020.

International Medical Group is offering coverage for Covid19 medical expenses. The popular Covid19 international student health insurance plans that offer coverage for medical expenses from coronavirus are Patriot Exchange Program, Student Health Advantage, Student Health Advantage Platinum.

International students can also review and compare student health insurance for Covid19 and find the best plan with Covid coverage that fit their needs.

There are also many F1 visa international students currently stranded in the US who are not enrolled in any classes. In this situation international students are not limited to buying student insurance and can buy short term US visitors medical insurance. The visitors health insurance plans are cheaper and ideal for international students in the US while they are not enrolled in classes. International students can review and compare visitor insurance plans and find plans with Covid coverage that fit your needs.

Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Obamacare for international students

PPACA which stands for Patient Protection and Affordable Care Act popularly known as the Obamacare after President Barack Obama who led strategy to make health care affordable and accessible to all United States citizens and US residents. Obamacare is however not applicable to international tourists, overseas visitors or foreign students in the United States, and it is not mandatory even for US residents to have Obamacare compliant insurance from January 2019. However while Obamacare is not mandatory, many universities insist of health insurance that is PPACA compliant. International Student health insurance it is very important for international students given the high cost of health care in the US. At American Visitor Insurance, students can find affordable student health insurance plans, which are cheaper than University health plans, while offering similar coverage. However these plans are not Obamacare compliant, which in any case is not required of international students.

Student health insurance

International students and Obamacare

Are international students coming 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 considered as Non Residents and therefore not required to comply with Obamacare. 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 student health insurance from private insurance companies that satisfy their needs as students. At American Visitor Insurance, we offer international cheap student health insurance comparable to University plans in terms of coverage, but are much more affordable. International students must not enrol in an US University without good health insurance as it can be extremely harsh on international students to pay medical expenses in case of any 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 Obamacare student plans and the information on our site.
ObamaCare Student

Is health insurance mandatory for F1 students?

Most US educational institutions require student to have health insurance coverage while they are attending. However, not all do and not all require the same type and amount of coverage. You should check with your institution and program to see what is required of you.

Are international students eligible for Obamacare?

No. International students are not eligible for Obamacare plans or plans available on each state's insurance marketplace. The only way for an international student to get a domestic plan is to purchase a plan offered by their institution or through an employer. Typically international students have to buy the University medical insurance, or student insurance that we offer if they find the coverage adequate for their needs. In brief, the answer is No to the question - Can international students get Obamacare?

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