{"id":3661,"date":"2014-04-24T19:05:05","date_gmt":"2014-04-24T23:05:05","guid":{"rendered":"http:\/\/www.internationalstudentinsurance.com\/blog\/?p=3661"},"modified":"2020-10-01T17:14:24","modified_gmt":"2020-10-01T21:14:24","slug":"aca-apply","status":"publish","type":"post","link":"https:\/\/www.internationalstudentinsurance.com\/blog\/2014\/04\/aca-apply.html","title":{"rendered":"How does the ACA apply to me?"},"content":{"rendered":"

\"health<\/a>If you are an international student, you may be confused about how the Patient Protection and Affordable Care Act applies to you. Also known as PPACA, ACA, or ObamaCare, this legislation can be confusing, especially as much of the information out there doesn\u2019t directly speak to international students. To help you on your way, here\u2019s an overview of how the ACA applies to you:<\/p>\n

International Students Are Exempt from the ACA<\/strong>
\nGood news is here! All international students holding a F, J, Q and M visa are exempt from the individual mandate for the first 5 calendar years that they are in the US. This means that whether you are an international student or even if you are on OPT, you can choose the most suitable health insurance policy that meets both your individual needs and budget \u2013 without having to worry about any penalty.<\/p>\n

What This Means For You<\/strong>
\nMany health insurance plans that meet the ACA minimum essential health benefits are often not appropriate for the needs of foreign students. They are designed with US citizens in mind, offering long-term care without medical evacuation and repatriation benefits \u2013 not to mention they come with an expensive price tag and large out of pocket costs.<\/p>\n

International students can purchase a comprehensive health insurance plan that is tailored to address their needs including:<\/p>\n