Impact of Obamacare on visitors to the US and US Expatriates

Compare and buy travel insurance

Age & Citizenship
Child
Residence
Coverage
Start date
End date

Obamacare - Do visitors need to satisfy Affordable Care Act (ACA)?

ObamaCare also popularly known as Affordable Care Act (ACA) is health care reform law in US to increase the accessibility and affordability to health care for US citizens and US residents, this is however not applicable to tourists, visitors or students in the United States. The individual mandate of the Obamacare makes it mandatory for US residents to have PPACA compliant health insurance. This has however been repealed by the Trump administration. As of January 1st 2019, it is not mandatory anymore to have PPACA compliant insurance.

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.

Are visitors to US eligible for this Obama Care? No. This facility is not available for visitors to the US no matter if their family members be it sons or daughters or parents are US citizens.

As long as they are short term visitors to US they have to pay their medical bills on their own during their visit in the United States. For this reason we have a number of short term travel insurance/health insurance plans available for visitors to US. These visitor medical insurance plans are very important for visitors to US since health care in the US is very expensive. Essentially, the changes made by Obama Care have no effect on visitors to US as they are not US citizens or US permanent residents.

Visitors to the US who are US citizens living abroad or expatriates who are considering international health insurance plans, might have some questions such as:
  • Does this plan meet the minimum essential coverage of ACA?
    The answer to the this question is "No. Most of these short term visitor health insurance plans do not meet ACA compliance benchmark."
  • Do I need a plan that is ACA compliant?
    The answer to the second question is little complicated. The US government understands that it is hard to manage all international plans. They are making accommodations for expatriates who are planning to move abroad or live outside the US for more than 330 days in a year.

Can a non US citizen get Obamacare?

Here are very few ways a non-US citizen can get Obamacare. They cannot purchase Obamacare without a social security number. Students can purchase ACA-compliant plans through their institutions and employees can purchase ACA-compliant plans from their workplace to cover themselves and their dependents. However, tourists and other short-term visitors are not eligible to purchase US domestic plans, but they can purchase visitor medical insurance plans available on our website.

Travel insurance for USA, USA healthcare for tourists

Health insurance for foreigners in USA

In 2022 many countries have opened their borders again for international tourism. Unfortunately, there is still the threat of the Delta and Omicron variants which have become the dominant Covid19 variants across several countries. The CDC believe both these variants to be the more contagious and may even partially evade the antibodies made by the immune system after a Covid19 infection or vaccination.

Early studies indicate that the Delta and Omicron variants infects younger people in large numbers and even vaccinated people. After a steady decline in the number of cases, the Delta and Omicron variants has resulted in an increase in cases in many US states especially in areas where the vaccination rates are low.

However all international travelers flying in to the United States, including US citizens and permanent residents are also required to have a negative COVID19 test result no more than three days before travel. Alternatively they should have documentation of recovery from COVID19 within the past 3 months before boarding an US flight.

Travel Insurance with covid coverage for visiting USA

The coronavirus pandemic has brought limitations for the travel and tourism industry. As the world is fighting back to curb the covid -19 infection ,with vaccination drives travelers have seen a good opening .However there have been several Covid 19 variants most recently the Delta and Omicron that keep evolving each time that bring about uncertainty and fear among the travelers .International travelers are more concerned about safety while traveling. There is a huge demand to include travel insurance cover by the international travelers and entry requirements by many countries to enter the country. Some of the travel insurance providers cover Covid19 this includes the Omicron and Delta variants just like any other illness that travelers could contract during the trip.

Regardless of the variant the Covid19 coverage will remain the same if contracted. Travelers need to check and understand the inclusions and exclusions regarding the benefits included in the Omicron Travel Insurance cover while purchasing it. Travelers traveling during the pandemic have additional concerns for traveling , on how the Omicron and Delta Plus variants affect individuals across all ages and fully vaccinated individuals too. To protect the trip it is advisable to get a medical insurance plan with wide benefits like, trip cancellation, cancel for any reason, travel delay or interruption, baggage or personal belongings loss, medical expenses of COVID19, emergency medical evacuation and repatriation etc.

At American visitor insurance travelers can choose from a wide range of choices that cater to various travel and medical needs. Travelers can compare and include the benefits as per their requirement including Covid19 coverage. Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.

Budget travel insurance with covid19 coverage for visiting USA

Trawick International insurance

Trawick International offers visitor medical insurance for coronavirus with their Safe Travels USA Insurance. The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. You can compare Safe Travels USA Covid19 travel insurance plans and buy it online to get coverage as early as the following day. After buying the Trawick travel insurance, travelers can download a visa letter which indicates that Safe travels USA visitors insurance covers covid19 illness.

International Medical Group (IMG) insurance for Covid19

International Medical Group (IMG) travel insurance offers coronavirus insurance for USA. IMG's Patriot America Plus and Patriot Platinum insurance plans cover COVID19 like any other illness. The Patriot America Plus Insurance and Patriot America Platinum insurance include COVID coverage up to the policy maximum.

INF travel insurance

INF travel insurance offers coverage for coronavirus as any other new sickness. It is available for Non-US citizens or residents travelling to the US. INF Premier and INF Elite plans covers pre-existing complications from COVID19.

Global Underwriters US visitor insurance

Diplomat America visitors insurance by Global Underwriters offers coverage for covid19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. Diplomat Long term Covid19 medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Diplomat insurance for visitors to USA.

Seven Corners visitors medical insurance

Liaison Travel Plus Insurance offers best Seven Corners health insurance for visitors to USA. The Sevencorners visitor health insurance treatment benefit is available for COVID19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

Please know we are here to help you make the best, informed decision to get coverage even for COVID19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Travel insurance for Coronavirus Covid

Countries that need travel insurance

Click here
Welcome to American Visitor Insurance  - Online Chat
Name is required
Email is required Email is invalid
Contact is required