US Citizens Living Abroad

This question is often asked by transitioning military servicemembers who will reside as American citizens in other counties and will not qualify for TAMP or Tricare.

How does the Affordable Care Act affect U.S. citizens living abroad?

U.S. citizens living abroad are subject to the individual shared responsibility provision. You must still carry health Insurance as any other American. However, U.S. citizens who are not physically present in the United States for at least 330 full days within a 12-month period are treated as having minimum essential coverage for that 12-month period regardless of whether they enroll in any health care coverage.
In addition, U.S. citizens who are bona fide residents of a foreign country (or countries) for an entire taxable year are treated as having minimum essential coverage for that year. In general, these individuals qualify for the foreign earned income exclusion under section 911.
Tax Note: Individuals may qualify for this rule even if they cannot use the section 911 exclusion for all their foreign earned income because, for example, they are employees of the United States. Individuals that qualify for this rule need take no further action to comply with the individual shared responsibility provision during the months when they qualify. They will report their status with their federal income tax return on IRS Form 8965 - Health Coverage Exemptions

Get More Details: Affordable Care Act: What You and Your Family Need to Know

Medical Debt

Many Americans carry past-due medical debt balances. A recent Consumer Financial Protection Bureau report found that unpaid debt in collections owed to hospitals and other medical providers made up about half of all debt in collections and that 19 percent of consumers with a credit file had some form of medical debt in collections.


Families with medical debt report that it reduces their ability to save and to afford basic household needs, increase their reliance on credit cards and other forms of debt, damages their credit, and induces them to forgo needed health care. In extreme cases, the medical debt may contribute to personal bankruptcy.

If Servicemembers do not plan properly as they transition from military service to civilian life…they will find themselves in these statistics.

Read the brief here: Past-Due Medical Debt in America


Other Affordable Care Resources:

The Affordable Care Act is changing. Stay current, Go to the official websites. BEWARE OF INSURANCE WEBSITES THAT LOOK OFFICIAL. Please use: The U.S. Department of Health & Human Services at