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MailTribune.com
  • Living overseas and the ACA

  • I have a question that I cannot seem to get an answer to. I'm an American living in The Philippines. Does the Affordable Care Act apply to me? They do not accept U.S. health insurance here, so it would not do me any good. What troubles me more is that the IRS is due to enforce this law, and now the IRS can revoke a person's passport. My passport is a critical part of my life here, so I don't want to get this wrong.
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  • I have a question that I cannot seem to get an answer to. I'm an American living in The Philippines. Does the Affordable Care Act apply to me? They do not accept U.S. health insurance here, so it would not do me any good. What troubles me more is that the IRS is due to enforce this law, and now the IRS can revoke a person's passport. My passport is a critical part of my life here, so I don't want to get this wrong.
    — James M., via Facebook
    Like every other element involving health care and insurance these days, everyone has more questions than answers. But thanks to some help from Cover Oregon, we have a clue.
    The critical element in whether you need to secure insurance is your length of stay overseas.
    The question, Cover Oregon's Michael Cox told us, is whether someone is subject to shared responsibility, which is covered on the IRS website. Looking at the Questions and Answers on the "Individual Shared Responsibility Provision" of the Affordable Care Act, under the category of "Who is Affected" we find a few lines that shed light on your situation.
    Question No. 12 asks: "Are U.S. citizens living abroad subject to the individual shared responsibility provision?
    "Yes. However, U.S. citizens who live abroad for a calendar year (or at least 330 days within a 12-month period) are treated as having minimum essential coverage for the year (or period). These are individuals who qualify for an exclusion from income under section 911 of the Code."
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