Health insurance - open enrollment - 3 days left.. should I wait?
#16
Re: Health insurance - open enrollment - 3 days left.. should I wait?
No! not Phew......crossing fingers and toes isn't a solution, you are in the US without health insurance and that is dangerous to both your health and your wallet. Get insurance ASAP. People coming from the UK are use to the NHS, if you need medical care in the US and you don't have insurance you will be billed and that could easily bankrupt you if you need an extended hospital stay.
#17
Re: Health insurance - open enrollment - 3 days left.. should I wait?
Sorry Nun, perhaps you missed the start of the thread. I am not in the US. I''m in the U.K. I arrive in April and can enrol in the special enrollment period within 60 days of arrival (advice from California Covered received today) Thanks for your concern though, it's appreciated.
Last edited by nun; Jan 19th 2017 at 1:20 pm.
#18
BE Forum Addict
Joined: Apr 2011
Location: Ohio
Posts: 1,834
Re: Health insurance - open enrollment - 3 days left.. should I wait?
You've presumably filed a USCIS AR-11 form with a US address on it. The powers-that-be understand you to be resident now for legal matters such as taxes, healthcare, etc. You don't live in the UK any longer; you're just there on a brief trip, like a holiday. (I agree that the NHS is unlikely to notice.)
#19
Re: Health insurance - open enrollment - 3 days left.. should I wait?
Irrespective of what the California insurance system says, you run the risk of a fine, through your 2017 tax return, for not having ACA compliant insurance if you delay obtaining insurance.
#21
Re: Health insurance - open enrollment - 3 days left.. should I wait?
You said in your first post that you entered the US on an immigrant visa in December 2016, so you are a US resident alien.
Last edited by nun; Jan 19th 2017 at 4:01 pm.
#22
Re: Health insurance - open enrollment - 3 days left.. should I wait?
EB-1A, entered on December 19, 2016.
#23
Re: Health insurance - open enrollment - 3 days left.. should I wait?
EB-1A, entered on December 19, 2016.
Last edited by nun; Jan 19th 2017 at 5:15 pm.
#24
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Joined: Apr 2011
Location: Ohio
Posts: 1,834
Re: Health insurance - open enrollment - 3 days left.. should I wait?
But you must realize you are currently US Permanent Residents. The fact that you've popped back to the UK to sort out a few matters is as irrelevant to matters like taxes, healthcare and immigration rules, as the fact that I spent a month or so in the UK last summer visiting relatives; I still maintained US health insurance and will be liable for taxes during this time. Not having a fixed address or not physically being here for a little while doesn't exempt you from all this, it just makes it tediously inconvenient.
#25
Re: Health insurance - open enrollment - 3 days left.. should I wait?
OK then the OP does not fully understand her situation. She is a US permanent resident alien. This has taxation and obviously health insurance implications. If the UK deems her to have moved permanently to the US she will not be covered by the NHS. I wonder if a P85 was ever filed with HMRC?
I am still working here (in Manchester). I don't finish my job until April. Probably we should have entered the US in Dec under VWP but our attorney advised against that. I am actually still using the NHS -in fact I've been for physio this morning!
I took all your advice and contacted Covered CA again for the second time. Their advice was the same: you cannot enrol as you do not have any of the information we need yet.
Possibly they are incorrect and you are right. However, going through the enrolment process, I could not click any further through the application as I couldn't complete half of the information (such as bank account). So I feel a bit stuck! (And may have just one day to get round it)
I do have a full transcript of my conversation with CC though.
#26
Re: Health insurance - open enrollment - 3 days left.. should I wait?
Yes you're probably right about that! (as an aside, although our situation is not that unusual, according to our attorney, we seem to be faced with blank looks whenever we describe our situation - the CBP officer did not even know how to process our documentation).
I am still working here (in Manchester). I don't finish my job until April. Probably we should have entered the US in Dec under VWP but our attorney advised against that. I am actually still using the NHS -in fact I've been for physio this morning!
I took all your advice and contacted Covered CA again for the second time. Their advice was the same: you cannot enrol as you do not have any of the information we need yet.
Possibly they are incorrect and you are right. However, going through the enrolment process, I could not click any further through the application as I couldn't complete half of the information (such as bank account). So I feel a bit stuck! (And may have just one day to get round it)
I do have a full transcript of my conversation with CC though.
I am still working here (in Manchester). I don't finish my job until April. Probably we should have entered the US in Dec under VWP but our attorney advised against that. I am actually still using the NHS -in fact I've been for physio this morning!
I took all your advice and contacted Covered CA again for the second time. Their advice was the same: you cannot enrol as you do not have any of the information we need yet.
Possibly they are incorrect and you are right. However, going through the enrolment process, I could not click any further through the application as I couldn't complete half of the information (such as bank account). So I feel a bit stuck! (And may have just one day to get round it)
I do have a full transcript of my conversation with CC though.
As far as taxes are concerned there's no uncertainty. Since your date of entry to the US on the EB1 you have been liable to US tax on your worldwide income. You should file your US taxes for 2016 as a dual status alien. Living and working outside the US while holding an immigrant visa is also not advisable.
Last edited by nun; Jan 19th 2017 at 8:29 pm.
#27
Re: Health insurance - open enrollment - 3 days left.. should I wait?
As far as taxes are concerned there's no uncertainty. Since your date of entry to the US on the EB1 you have been liable to US tax on your worldwide income. You should file your US taxes for 2016 as a dual status alien. Living and working outside the US while holding an immigrant visa is also not advisable.
Obviously living and working overseas is not advisable but it cannot be avoided. Consular processing under EB1A advises not to "plan travel or employment" prior to acceptance, which we only received last month, and my place of work requires me to give 3 months notice.
#28
Re: Health insurance - open enrollment - 3 days left.. should I wait?
I think we do not qualify as dual status. We were in the US for just 11 days - 31 consecutive days are a prerequisite for this I believe.
Obviously living and working overseas is not advisable but it cannot be avoided. Consular processing under EB1A advises not to "plan travel or employment" prior to acceptance, which we only received last month, and my place of work requires me to give 3 months notice.
Obviously living and working overseas is not advisable but it cannot be avoided. Consular processing under EB1A advises not to "plan travel or employment" prior to acceptance, which we only received last month, and my place of work requires me to give 3 months notice.
As for working the notice, while it's commendable, what are they going do to about it?
This scenario is really something your lawyer should have gone over with you.
#29
Re: Health insurance - open enrollment - 3 days left.. should I wait?
I think we do not qualify as dual status. We were in the US for just 11 days - 31 consecutive days are a prerequisite for this I believe.
Obviously living and working overseas is not advisable but it cannot be avoided. Consular processing under EB1A advises not to "plan travel or employment" prior to acceptance, which we only received last month, and my place of work requires me to give 3 months notice.
Obviously living and working overseas is not advisable but it cannot be avoided. Consular processing under EB1A advises not to "plan travel or employment" prior to acceptance, which we only received last month, and my place of work requires me to give 3 months notice.
"Dual status" is an IRS concession allowing you to exclude from US taxation a certain period, the first part of a tax year, prior to you obtaining permanent residence status.
Last edited by Pulaski; Jan 19th 2017 at 11:22 pm.
#30
Re: Health insurance - open enrollment - 3 days left.. should I wait?
I took all your advice and contacted Covered CA again for the second time. Their advice was the same: you cannot enrol as you do not have any of the information we need yet.
Possibly they are incorrect and you are right. However, going through the enrolment process, I could not click any further through the application as I couldn't complete half of the information (such as bank account). So I feel a bit stuck! (And may have just one day to get round it)
I do have a full transcript of my conversation with CC though.
Possibly they are incorrect and you are right. However, going through the enrolment process, I could not click any further through the application as I couldn't complete half of the information (such as bank account). So I feel a bit stuck! (And may have just one day to get round it)
I do have a full transcript of my conversation with CC though.
My experience of the NHS (having worked there) is that right now there's nothing to tell them at the moment that you are not a UK resident, so it shouldn't make any difference until you've actually permanently moved.