Does the ACA provision about pre-existing conditions apply to visitors to the US?
Travel insurance with a pre-existing condition does not mention ACA--not surprising since it was posted in 2011.
I know that the Affordable Care Act stopped payers from considering pre-existing conditions. But perhaps that prohibition only applies when the subscriber is a U.S. citizen.
I have a Canadian friend who received a $3000 per MONTH quote, and she thinks a pre-existing condition might explain it.
Best Answer
ACA/Obamacare does not apply to tourists. The best explanation I've found (disclaimer: it's from an insurance reseller):
Visitors to the USA do not have access to health care while in the USA for the simple fact that they are not U.S. citizens. Even if you have family - perhaps a son or daughter, or parents - who are U.S. citizens, every visitor to America is considered a tourist and medical care for tourists is not free.
Only U.S. citizens and certain lawfully presented permanent residents (green card holders) qualify for federal health insurance program also known as Affordable Care Act or Obama Care in the US and visitors to the U.S. are responsible for paying for their own medical care.
However the US government's site backs this up, with travellers and tourists nowhere to be found in their list of persons that qualify for coverage.
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Does the Affordable Care Act cover pre-existing conditions?
Yes. Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a \u201cpre-existing condition\u201d \u2014 that is, a health problem you had before the date that new health coverage starts.Can foreigners use Obamacare?
Lawfully present immigrants are eligible for coverage through the Health Insurance Marketplace\xae. The term \u201clawfully present\u201d includes immigrants who have: \u201cQualified non-citizen\u201d immigration status without a waiting period (see details below).Is health insurance mandatory for visitors to USA?
If you are traveling to the US for a short period of time, you are not required by law to have health insurance. However, the price of healthcare in the US is very high, so while medical insurance for visitors to the US is not mandatory, it is highly advisable.Who is excluded from Obamacare?
If you're seeking an exemption because you can't afford coverage, you're a member of a federally recognized tribe, you're incarcerated, or you participate in a recognized health care sharing ministry, you have two options: The exemptions can be claimed when you complete your federal tax return.Can I get around a pre-existing condition limitation in a disability policy?
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