Impact of Obamacare on visitors to the US and US Expatriates

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During 2021 summer, many countries started opening their borders again for international tourism. Unfortunately at this time the Delta variant has become the dominant variant Covid19 across several countries. The CDC in fact believe the Delta variant to be the most contagious variant and may even partially evade the antibodies made by the immune system after a Covid19 infection or vaccination. Early studies indicate that the Delta variant infects younger people in large numbers and even vaccinated people. After a steady decline in the number of cases, the Delta variant has resulted in an increase in cases in the US especially in areas where the vaccination rates are low.

The Delta variant has swept across the globe impacting USA. All international airline passengers more than two years old traveling to the USA must provide a negative COVID19 viral test taken within 72 hours from the start of travel. Alternatively, international travelers to the United States should provide documentation from a licensed health care provider of having fully recovered from COVID-19 within 90 days before travel. In this context it is important to have best pandemic travel insurance coverage. International travelers to the USA can compare health insurance plans at American Visitor Insurance to find the best tourist medical insurance.

Travel Insurance with covid19 coverage for visiting USA

Travel Insurance with covid coverage for visiting USA

Trawick International travel 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 Covid 19 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 covid 19 illness.

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 COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.
seven corners

International Medical Group (IMG) Coronavirus insurance

International Medical Group (IMG) travel insurance offers coronavirus insurance for USA. IMG's Patriot America Plus and Patriot Platinum insurance plans cover COVID-19 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 COVID-19.

Global Underwriters US visitor insurance

Diplomat America visitors insurance by Global Underwriters offers coverage for covid-19 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.
Global Underwriters
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.

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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.

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