What is ACA – Obamacare?

Important! Obamacare remains the law in the US, and the attempt to repeal it have been abandoned for now.


How does Obamacare affect me?

It’s simple: Are you staying in the US for longer than 11 months in a row or not?

Yes: You are going to the US for 11+ months; then you will need Obamacare insurance.

No: You are going to the US for less than 11 months; you will need international health care insurance.

Obamacare for business

This logic also applies to companies stationing people to the US. We offer group solutions for Obamacare compliant insurance and international health insurance both.

About Affordable Care Act or Obamacare

On March 23, 2010, President Barack Obama signed the Health Care reform bill, also known as the Patient Protection & Affordable Care Act (PPACA or ACA), into law. The ACA has made sweeping changes to the U.S. health care system and how individuals receive access and coverage for medical care. Many of the ACA’s health care reforms are primarily focused on reducing the uninsured population and decreasing insurance and health care costs. The law consists of a number of provisions and mandates that affect US citizens and residents alike.

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Here are some of the major changes which insurers will have to implement due to Obamacare

  • Insurance companies will have to accept persons with pre-existing conditions, chronically illness etc.
  • Youth until the age of 26 are covered under their parents’ health insurance
  • Pregnancy exams are mostly free
  • Insurers can no longer raise premiums without state approval
  • Individuals who have been denied coverage from a private insurer because of a pre-existing condition can apply for temporary cover from the government.
  • Children under the age of 19 no longer receive different premiums for pre-existing conditions.
  • Rebates through Medicare (Medicare is a national social insurance program, administered by the U.S. federal government since 1966) have been increased
  • Medicare has been extended to cover smaller hospitals as well
  • A profit limit has been placed on insurers to combat price-gouging.
  • Health plans must provide preventative care (colonoscopies, mammograms) without extra charge
  • An Online Health Insurance Marketplace has been established for buying regulated private health insurance
  • Mandating large employers to provide coverage via the employer mandate and providing tax credits for small businesses who offer their workers coverage via the Small Business Health Options Program (SHOP). (External links)

New developments (more information in our Travel News section)

You may have noticed some discussion going on in the media regarding the Affordable Care Act also known as Obamacare.

With the changes of the U.S. Administration have come modifications of the ACA law. At this point, it is unknown what those new requirements will entail, even though the new administration has signaled that certain provisions of the Act might be retained. During his first day in office, President Trump issued and signed an Executive Order that allows certain relief of provisions of the ACA in order to prevent the rising costs of insurance from going up. These changes will only happen if approved by the proper government offices. These changes do not apply to anyone individually nor are the changes immediate but it is important we understand they are imminent. While the Executive Order does address parts of the Individual Mandate, it does not eliminate the mandate for Obamacare (ACA).