How Does the Affordable Care Act (Formerly Obamacare) Affect Visitors to the US?

The Affordable Care Act (previously known as Obamacare) was introduced in the United States to lower the cost of healthcare (or provide free healthcare) for lower and middle income individuals. For Americans, it makes healthcare more affordable and accessible. However, visitors to the U.S. remain unaffected by the Affordable Care Act, simply due to the fact that they're not eligible for it. Visitors are, after all, just visiting. Even if you have a family member who is a U.S. citizen, every visitor to America is considered to be on a short-term temporary visit, which means medical care isnât free. So, itâs incredibly important to purchase your own travel insurance when coming to the United States.
Only U.S. citizens and certain lawfully-presented permanent residents (Green Card holders) qualify for the federal health insurance program known as the Affordable Care Act. Visitors are responsible for paying for their own medical care, along with any expenses or liabilities that arise from a medical emergency or accident. Essentially, the Affordable Care Act has no effect on visitors to the U.S.
Tourists Visiting the U.S. Need Travel Medical Insurance
Paying for medical care in the U.S. is a challenge because the cost of medical care can be high. If youâre coming to the U.S., you need to have adequate visitors medical insurance with reasonably high limits to ensure that you wonât have to pay a huge medical bill if you or your family member:
- Gets in a car accident
- Breaks their arm when slipping off an escalator
- Has a heart attack
- Hits a tree while skiing
- Comes down with pneumonia
Any of these are common accidents and illnesses, and if you donât have travel medical insurance, youâll be paying care out of your own pocket (or on your credit card).
In light of the COVID-19 pandemic, travel medical insurance is even more of a necessity. While you and your family can take precautions to reduce your risk of contracting the disease, you donât want to find yourself in a situation where youâre needing medical attention in a foreign country where you have no coverage. There are a number of travel insurance plans that include specific coverage for Covid.
Emergency Room Visits are Not Free
In many countries, a trip to the emergency room is free. Thatâs not the case for the United States. In contrast, a trip to the E.R. may cost tens of thousands of dollars. Because some trips to the emergency room are unavoidable (thatâs why theyâre called emergencies!), visitors canât always wait until theyâre back home to see a doctor.
If you need emergency medical care and have no insurance, youâll either have to pay for the expenses out of pocket, or be transported to a welfare-based hospital where patient care resources are limited. Buying emergency medical coverage ahead of time would eliminate both of these situations.
Evacuation Costs are Expensive
Emergency evacuation (such as by ambulance, by helicopter, or by special medically equipped airplanes) is very expensive. Opting for a policy that covers evacuation could come in very handy during a trip to the U.S.
For example, imagine you and your family are hiking in the Rocky Mountains and your adult son slips and falls. You canât reach him and he is in desperate need of medical care. In this instance, youâll need the support of local rangers and an experienced rescue team. Since this is not the financial responsibility of the park rangers, youâll have to arrange for payment on the spot.
While this situation may seem unlikely, you never know when you might require emergency evacuation. If something were to happen to you that required emergency medical transportation, medical evacuation insurance will allow you to either be taken to the nearest facility that has the resources to treat and care for you, or transport you home if a physician deems the situation fit and medically necessary. This is why choosing a plan with emergency medical transportation is so important.
Your Visa Sponsor May Be Held Liable for Your Bills
If youâre visiting the U.S. on a sponsored visa and canât pay your medical bills, your sponsor may be held liable for those bills. This can place the sponsor in jeopardy of losing their visa or being prosecuted by bill collectors. So make sure you are adequately covered by visitors insurance, also known as travel medical insurance.
For additional questions about travel health insurance for the U.S., please reach out to our Customer Success Team.
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.