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Affordable Care Act And Americans Overseas

“Kathleen, I subscribe to a number of ‘living overseas’ resources, but yours is by far the best. Your articles cut to the chase without fluff or BS. Your realistic budgets are indispensable for planning purposes as I’m going on a look-see to some of the locations in your articles. Keep up the good work!”

–Thomas R., United States

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“Kathleen, I thought that you might like to hear about my experience in calling the new Healthcare Marketplace.

“It seems that living overseas does not absolve one from still buying health care in the United States even if you are covered overseas where you will be living.

“My question threw the telerep for a loop (and her bosses); however, they may be getting back to me with more info.

“Have you run into this yet?”

–David B., United States

The threshold for whether you need health insurance under the Affordable Care Act or not while living outside the United States is whether you qualify for the Foreign Earned Income Exclusion… whether you have earned income or not. If you pass either the “Days Test” or the “Bona Fide Residency Test,” then you don’t have to carry health insurance under Obamacare.

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