Skip to comments.(Vanity) Question regarding obamacare and those living outside the US
Posted on 09/25/2013 1:44:34 PM PDT by Red in Blue PA
Does an American living outside the US need to pay the penalty of obamacare? Many take 6 to 12 month (or longer trips traveling the world, living off of their savings. Others live overseas and live a life which is simpler and as such, have less money coming in. What does a person living a good life in central American with a small store or restaurant do? If they make a few thousand in profit, that is fine living in many places. Obamacare fines would eat those profits up in no time. Additionally, what is the point of buying into something which you will really never use? (ie health exchanges in the US).
This plan is a disaster for everyone except the leeches in the US urban areas, but I have not heard anyone address how this would affect Americans living overseas and used to living on a lower salary. It looks like they would be hit hard. Curious if anyone has any insight into this. Just curious. Was watching House Hunters International and that got me thinking about all of the people working overseas, and the many I have met who are on travels for 12 months or more.
Knowing Obama and the Democrat/RINO Party, what do you think?
Whoa ... over here
If you file an income tax return, then I’d expect you’re subject to Obamacare.
y’know what? They probably haven’t even thought about that, yet.
I think the supreme court said that there could be no penalty for not buying Insurance. Are you speaking of the tax on people who do not have insurance?
That is what I thought.
Imagine the person running a small store making 2000 bucks a year in a tropical paradise where that is really all they need. This plan is instant poverty for them. Unless they renounce their citizenship of course. Curious how many people go that route.
I’m sure that situation can be resolved with a few hundred pages of regulations.
It is my understanding that every American needs to have health insurance or pay a fine. It makes no exceptions for people living abroad AFAIK.
OMG I am so addicted to that show. It makes me think a lot about moving to Mexico or Central America.
(play video of Obama doing the "Homer Simpson blink")
The supreme court said it was not illegal to not have insurance. Therefore, there can be no fine for not having it. You must also be thinking of the tax on people who do not have health insurance.
We are all screwed - inside or outside the country.
It's a huge problem, I'd think. Many people, and a high percentage of seniors and students, don't live near their health insurance providers for lots of time throughout the year.
What happens if someone gets sick and then goes to an area with better health care for treatment and claims they got sick there?...just sayin'
There is an exception for expatriates who are out of the country at least 330 (as near as I can recall) days a year.
I may be entirely wrong at this point but 2 months ago I’d seen an article, (sadly, didn’t save it), indicating that yes, the penalty would have to be paid and that the IRS was looking to enforce the penalty on expats.
I’m not entirely sure that’s accurate however because, for example, many of my friends have retired to Mexico and have purchased the Mexican health plans. There are basically two types of insurance in Mexico. One is Hospitalization and the other is their “Farmacia” insurance which covers not just medicine but also their “Farmacias” operate as outpatient clinics. Rich people can also buy supplemental insurance while living in Mexico that is offered by the likes of Blue Cross/Blue Shield and is to cover services at their “Boutique” hospitals for foreigners.
I strongly considered retiring to Mexico/Central or South America but because of my wife’s rather delicate constitution, I decided against it. (I was raised overseas so its no stretch for me).
You’ll have to double check my information. In a sense, it doesn’t make sense to me that if you have foreign insurance you would have to pay a penalty because when you live/retire out of country, you can’t get Medicare coverage.
It doesn’t make sense to me in another way. I’d posited that one of the driving factors behind Obamacare was a desire to force people to retire out of country to save costs on Medicare and to force out millions of the hated old white people out of the country.
For now, that’s all I know.
No we don’t.
The bottom line of the “government” and “politicians” is “who cares???
I’ve been looking for an answer to this also and haven’t received any valid answer.
My take would be to file a US Tax Return with the small overseas income and see what “subsidy” you qualify for ... you may need to use a relatives address in the states...
The “penalty” will almost certainly be the cheapest,, especially as you have no access to providers anyway ... nothing else makes sense.
I’m pinging AlexW ,, maybe he has an answer..
“except the leeches in the US urban areas”
it was designed to take money from those who work and give it to those who vote democrat. It is mainly a massive transfer of money.
It’s “affordable” for those who don’t work. They get it free. Those who produce have to pay. That is the nature of socialism.
The democrats don’t care who it hurts (as long as they’re White and working)
There is an exception for expatriates who are out of the country at least 330 (as near as I can recall) days a year.
Any idea where to find this?
That’s outstanding. Thanks!
So, the next question is............how difficult would it be to set up a faux residency in Mexico to qualify for their insurance? Or is there a residency requirement to qualify for Mexican health insurance. Reason I ask is that I live within 60 miles of the border!
The house I bought in San Juan del was featured on IHH.
Those folks were on Medicaid, are on Medicaid, and will stay on Medicaid. Very few will be touched by "Obamacare".
Can you PM me info on good places to look for real estate there?
(the 330 day absence is required as well as a tax home in a foreign country, apparently)
Just tell them you are Muslim and they will leave you alone.
Muslims aren’t exempt.
Only religions that are exempt from Soc Sec and Medicare are exempt from Obamacare.
Amish and Mennonite for example.
That’s a good question. Is the ‘insurance’ useable overseas?
I think most regular health insurance policies cover illness when traveling (either directly or by reimbursement). With it becoming a gov’t ‘benefit’ will it still be useable for medical services rendered overseas? Are EBT cards useable for groceries overseas?
They just better pray that they are registered democrats and voted democrat in the most recent election. Otherwise... go ahead and make some funeral plans....
“Im pinging AlexW ,, maybe he has an answer..”
It is my opinion, and that of others, that Obumbocare does not apply to those of us living outside of the states.
Furthermore, I have no US income other then my SS, and have not filled a tax return in many years. I have not set foot in the US since Jan. 2005.
I do not know any US expat that has even mentioned Obamacare.
The issue is you have to prove (your passport) or other documentation to the USA that you live more than 11 months in another country legally and not as a tourist.
I have expats friends who live here but as tourists, not as legal residents with a 5 year residency visa, they WILL not be exempt fom the US laws.
Since I own a house here and pay property taxes (300.00 a year) and my cedula (green card) I am exempt, I also pend less than 35 days in the USA...
I’m exempt since January 2013 when I left the rat race behind.
They will soon prevent people from leaving, making it harder to do so.
See post 18
How do you like Nicaragua?
I’m in Nicaragua, where do you call home?
Justin Fahey was my realtor, he is from Boston been here several years.
Great expat community here...also look at Granada by lake Nicaragua...if the ocean isn’t important to you.
I’m less than a 5 minute walk to Marsella Beach.
Also Justin Fahey has been on international house hunters program, he is a great guy.
Thanks for the link. Will look....and dream. Methinks you are going to see an influx of Americans sometime soon.
Got here at age 54, wish I was as smart as all the 30 year olds rushing down here now.
People wonder about the smarter young adults...I can tell you many are leaving the US for good for a less stressful life that embraces traditional family values.
You give up creature comforts like going to super walmarts for one stop shopping, more like the 1940s here, every store is a specialty store...because you don’t have the mammoth stores crushing out family stores.
Most people walk or bike around, one have motorcycles 4 wheelers, cars are expensive here. Everyone drives a diesel.
Food is basic and healthy very little prepackaged crap.
I love it here, wish I had the guts to get here sooner, but sadly my country ran me off with taxes, Obamacare, spying and all the other attacks on values I had cherished...
Fair warning, before anyone makes a move like this you better have years of experience in a foreign area you plan to settle in.
You will get frustrated at the slow pace and weird logic here, but so many other things balance it out.
I miss certain foods for example, and quick easy shopping, but after a beer at the beach and a sunset with the chatter of local children laughing with each other reminds me, that what was good in the 40s and 50s in the USA is still tangible here.
I love the slow pace of life, I love the people here as well.
Wish I didn’t waste 3 years of French in high school, but my Spanish is improving daily with help from locals who want to learn English, it s a great community of about 16,000 people. About 2 1/2 hours from Managua...wher super stores, malls and fancy stuff exists plus a rat race...
Sounds very nice....am jealous of you. I have been to South America several times and loved it there. Could see myself living there. I must admit, I am hooked to the prepackaged crap and the large stores, but do not think I would miss them.
What are gun rights like down there? Are there any? I have a bunch and would hate to leave them behind. That being said, I have no idea how I would transport a safe thousands of miles to central America.
There is a waiver/exemption if you are in a Health-Cost sharing network (Christian) such as Samaritan Ministries, Medi-Share or Christian Healthcare Network. Everyone should join one- you don’t have to get Obamacare and accept abortion/ru486 etc. and It’s a lot cheaper per mont- like 375 for a family of 4. Your “needs” are met 100% up to 200,000.00 per health incident. So in my case with lymphoma, I have used up @ 40k. And if/when I get it again...I pay what I can- so as to submit the amount to be shared/recouped and not get to my 200k. It’s great!!
Already happening, we get realtors that come by with potential expats so they can ask questions about our experience. Tips of the dos and donts....
We are 20 miles north of costa rica and the expats are leaving CR for Nica...too expensive in CR, a beer here in the grocery store is 60 cents and 1.00 at a bar...
A beer in a bar in CR is 3.00...
Cigarettes here are 1.25 a pack as another example, pineapple 25 cents, mangos are essentially free...chicken and eggs cheap here as well as seafood.
Diesel is about the same as in the states...electricity is high if you can’t live without a/c...we have open window
Ws and ceiling fans, electris is 60.00 a month for a 3 bd 3 bath house.
My security 365/24/7, water, sewer and trash is 25.00 a month...
Groceries, dog food, beer, rum averages 800.00 a month.
Mandatory car insurance 35.00 a year. Wifi is 60.00 a month, we use that and skip satellite or cable we stream what we want to watch.
You buy cell phone minutes on special days and can get about 300 minutes for 20.00.
Easy living here, just need to know that the petty crime here is generally thugs robbing drunk tourists in the late evening...or the prostitutes who set a John up for a robbery....
Typical wild west nonsense, no different than Hester year in the USA
“Im in Nicaragua, where do you call home?”
I am now in the Philippines, since Jan 2009. Prior to that, I was in Slovakia, as well as time in other central European countries..
I see that central and NW South America are booming with expats. I receive, as well as recommend, the International Living and Escape From America web sites for those that are interested in an escape plan.
I can bring in 2 guns, I must prove to the local police I have been trained to use a fire arm I have had a conceal carry permit in Texas for about 12 years and a gun safe.
Other than that yes people here can get arms.
My father in law owns a farm here and his full time caretaker and family have a 22 rifle for hunting and for protection...
Can you bring in additional guns over time?
Highly recommend them as well...great resources on the web.
Speaking of cost, I, along with my wife and child, have a happy life on less then $1000 per month. That includes rent.
We live on a beach, and have all the conveniences as in America, except for a car, which is neither needed or wanted here. I bicycle to the market area once a day to buy daily needs, fruits, meats, and veggies. We live in the vegetable capital of Cebu.
To travel out of town, we have air conditioned buses that travel the perimeter highway. We can catch them anywhere, and rarely have to wait more then 10 min. for one to come.
The aircon buses often have movies and WiFi.
If we want world class shopping, it is 2 hours to the city
which has two malls that would rival any in the world.