Impact of Obamacare on visitors to the US and US Expatriates

Compare and buy US travel insurance

It is heart breaking that so many international travelers have to change their US travel plans due to COVID-19. USA has shockingly become the center of the global pandemic, with over 29.8 million Covid19 patients and sadly over 541,937 fatalities. Starting from January 26th 2021, all airline passengers more than two years old traveling to the USA must provide a negative COVID-19 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 use the compare health insurance for travel to usa utility at American Visitor Insurance to find the best tourist medical insurance. Visitors can compare US travel medical insurance and buy visitor insurance USA for coronavirus.

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.

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.

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.

WorldTrips insurance

Atlas travel insurance coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

Travel Insurance Services travel insurance

  • If you are traveling to the US: Visit USA coronavirus insurance offers coverage for COVID-19 as a covered medical expense.
  • If you are traveling outside the US: Intermedical Insurance offers coverage for Covid19 as any other illness under the medical expense maximum. Testing for Covid-19 will only be covered if deemed medically necessary by a physician. The antibody test and prescreening test are not covered, as they are not medically necessary. For individuals age 65+, maximum plan coverage is $100,000.
  • If you are travelling outside your home country: Worldmed Insurance offers coverage for Covid-19 is covered as any other illness under the medical expense maximum. Testing for Covid-19 will only be covered if deemed medically necessary by a physician. The antibody test and prescreening test are not covered, as they are not medically necessary. Maximum age for plan eligibility is 64.
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.

Travel insurance for Coronavirus Covid
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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.

Travel insurance for USA, USA healthcare for tourists

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