Health insurance - open enrollment - 3 days left.. should I wait?
Jan 19th 2017, 11:11 pm
#31
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Re: Health insurance - open enrollment - 3 days left.. should I wait?
We were house sitting so we used that address.
BUT- UPDATE: I just called Covered California and we do not have to enrol now. We will be able to use special enrollment as we are not classed as having moved until we have an address in the US. Phew!
Thanks for all your help everyone.
BUT- UPDATE: I just called Covered California and we do not have to enrol now. We will be able to use special enrollment as we are not classed as having moved until we have an address in the US. Phew!
Thanks for all your help everyone.
Tis just my worldly experience dealing with call centers worldwide. Just this morning I received a different yet more positive telephone reply from that which I received in December from our very own HMRC.
Wish you well.
Last edited by vikingsail; Jan 19th 2017 at 11:13 pm.
Jan 19th 2017, 11:14 pm
#32
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Re: Health insurance - open enrollment - 3 days left.. should I wait?
Call me cynical but I would get that statement in writing as like it or not right or wrong it will not be pretty if you find yourself unable to buy coverage and are relying on " well I called In January and they said it would be alright..." Failing that if its too much work to get in writing call again and ask them to direct you to the appropriate place where you can read it for yourself.
Tis just my worldly experience dealing with call centers worldwide. Just this morning I received a different yet more positive telephone reply from that which I received in December from our very own HMRC.
Wish you well.
Tis just my worldly experience dealing with call centers worldwide. Just this morning I received a different yet more positive telephone reply from that which I received in December from our very own HMRC.
Wish you well.
Jan 19th 2017, 11:15 pm
#33
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Re: Health insurance - open enrollment - 3 days left.. should I wait?
Thank you. This was not clear at all for me from my reading.
Jan 19th 2017, 11:24 pm
#34
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Re: Health insurance - open enrollment - 3 days left.. should I wait?
Excellent my golden rule is Insurance companies (all types) set out not to pay out so anything they can hang their hat on to deny coverage will be utilized. Remember insurance is a contract with a for profit business not with a snowflake NGO.
Jan 20th 2017, 2:57 am
#35
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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.
I doubt that US immigration cares much about any notice your UK employer might need, you are doing something that is inadvisable. You should have worked out your notice in the UK before entering the US on your EB1. Your 2017 taxes will be interesting from a residence and primary taxation authority perspective.
Jan 20th 2017, 3:30 am
#36
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Re: Health insurance - open enrollment - 3 days left.. should I wait?
(That's assuming, though, you don't need the SSN to file the extension... not sure on that one; never done it.)
You'll probably have an FBAR filing requirement too for 2016, if your UK accounts (including defined contribution pensions) totaled more than $10k at any point in the year.
Last edited by kodokan; Jan 20th 2017 at 3:33 am.
Jan 20th 2017, 6:06 am
#37
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Re: Health insurance - open enrollment - 3 days left.. should I wait?
Another thought - did you get your Social Security numbers when you were over in December? If not, you'll want to file for an extension on your 2016 tax return turn, to allow time to get here, get your SSNs, and sort out your filing situation. It'd give you until October 2017 to file.
(That's assuming, though, you don't need the SSN to file the extension... not sure on that one; never done it.)
You'll probably have an FBAR filing requirement too for 2016, if your UK accounts (including defined contribution pensions) totaled more than $10k at any point in the year.
(That's assuming, though, you don't need the SSN to file the extension... not sure on that one; never done it.)
You'll probably have an FBAR filing requirement too for 2016, if your UK accounts (including defined contribution pensions) totaled more than $10k at any point in the year.
Jan 20th 2017, 10:42 am
#38
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Re: Health insurance - open enrollment - 3 days left.. should I wait?
Sorry since you entered the US on the EB1 you are a US resident alien. You must understand these things so you can file your taxes correctly. You might not have sufficient income to have to file dual status US taxes in 2016, but you need to understand these issues.
I doubt that US immigration cares much about any notice your UK employer might need, you are doing something that is inadvisable. You should have worked out your notice in the UK before entering the US on your EB1. Your 2017 taxes will be interesting from a residence and primary taxation authority perspective.
I doubt that US immigration cares much about any notice your UK employer might need, you are doing something that is inadvisable. You should have worked out your notice in the UK before entering the US on your EB1. Your 2017 taxes will be interesting from a residence and primary taxation authority perspective.
"Substantial Presence Test
You will be considered a United States resident for tax purposes if you meet the substantial presence test for the calendar year. To meet this test, you must be physically present in the United States (U.S.) on at least:
1. 31 days during the current year, and
2. 183 days during the 3-year period that includes the current year and the 2 years immediately before that, counting: •All the days you were present in the current year, and
•1/3 of the days you were present in the first year before the current year, and
•1/6 of the days you were present in the second year before the current year"
We were in fact only present for 11 days of the year. Have I misunderstood - you seem to be savvy on these things!!
Jan 20th 2017, 10:51 am
#39
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Re: Health insurance - open enrollment - 3 days left.. should I wait?
But the IRS states
"Substantial Presence Test
You will be considered a United States resident for tax purposes if you meet the substantial presence test for the calendar year. To meet this test, you must be physically present in the United States (U.S.) on at least:
1. 31 days during the current year, and
2. 183 days during the 3-year period that includes the current year and the 2 years immediately before that, counting: •All the days you were present in the current year, and
•1/3 of the days you were present in the first year before the current year, and
•1/6 of the days you were present in the second year before the current year"
We were in fact only present for 11 days of the year. Have I misunderstood - you seem to be savvy on these things!!
"Substantial Presence Test
You will be considered a United States resident for tax purposes if you meet the substantial presence test for the calendar year. To meet this test, you must be physically present in the United States (U.S.) on at least:
1. 31 days during the current year, and
2. 183 days during the 3-year period that includes the current year and the 2 years immediately before that, counting: •All the days you were present in the current year, and
•1/3 of the days you were present in the first year before the current year, and
•1/6 of the days you were present in the second year before the current year"
We were in fact only present for 11 days of the year. Have I misunderstood - you seem to be savvy on these things!!
Jan 20th 2017, 11:39 am
#40
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Joined: Aug 2004
Posts: 4,754
Re: Health insurance - open enrollment - 3 days left.. should I wait?
But the IRS states
"Substantial Presence Test
You will be considered a United States resident for tax purposes if you meet the substantial presence test for the calendar year. To meet this test, you must be physically present in the United States (U.S.) on at least:
1. 31 days during the current year, and
2. 183 days during the 3-year period that includes the current year and the 2 years immediately before that, counting: •All the days you were present in the current year, and
•1/3 of the days you were present in the first year before the current year, and
•1/6 of the days you were present in the second year before the current year"
We were in fact only present for 11 days of the year. Have I misunderstood - you seem to be savvy on these things!!
"Substantial Presence Test
You will be considered a United States resident for tax purposes if you meet the substantial presence test for the calendar year. To meet this test, you must be physically present in the United States (U.S.) on at least:
1. 31 days during the current year, and
2. 183 days during the 3-year period that includes the current year and the 2 years immediately before that, counting: •All the days you were present in the current year, and
•1/3 of the days you were present in the first year before the current year, and
•1/6 of the days you were present in the second year before the current year"
We were in fact only present for 11 days of the year. Have I misunderstood - you seem to be savvy on these things!!
Jan 20th 2017, 4:26 pm
#41
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Re: Health insurance - open enrollment - 3 days left.. should I wait?
This is only relevant for non-immigrant visas.....if you have an H1B or a J1 you'd use the Substantial Presence test. You have an immigrant visa, so you became a US permanent resident as soon as you entered on the EB1. Your actions since then are not the usual ones followed by permanent residents and have complicated your tax filing for 2016 and 2017.
Jan 20th 2017, 4:46 pm
#42
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Re: Health insurance - open enrollment - 3 days left.. should I wait?
And one more thought - since you didn't seem to realize you were already a Permanent Resident with associated responsibilities, is this something the healthcare person was aware of when they were saying you didn't need coverage until April? I wonder if their advice might have been different...
Last edited by kodokan; Jan 20th 2017 at 4:49 pm.
Jan 20th 2017, 4:49 pm
#43
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Posts: 2
Re: Health insurance - open enrollment - 3 days left.. should I wait?
I think the confusion here is that there seems to be an assumption that all these things link in, to the extent they do it would be accidental.
Much easier if you look at them individually and deal with an requirements that way rather than assume that just because one aspect deems you say resident so do all the others.
Every entity for example seems to have a different definition of Resident. One world, multiple meanings.
Much easier if you look at them individually and deal with an requirements that way rather than assume that just because one aspect deems you say resident so do all the others.
Every entity for example seems to have a different definition of Resident. One world, multiple meanings.
Jan 20th 2017, 6:12 pm
#44
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Joined: Aug 2004
Posts: 4,754
Re: Health insurance - open enrollment - 3 days left.. should I wait?
I think the confusion here is that there seems to be an assumption that all these things link in, to the extent they do it would be accidental.
Much easier if you look at them individually and deal with an requirements that way rather than assume that just because one aspect deems you say resident so do all the others.
Every entity for example seems to have a different definition of Resident. One world, multiple meanings.
Much easier if you look at them individually and deal with an requirements that way rather than assume that just because one aspect deems you say resident so do all the others.
Every entity for example seems to have a different definition of Resident. One world, multiple meanings.
Jan 20th 2017, 6:27 pm
#45
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Joined: Mar 2004
Posts: 2
Re: Health insurance - open enrollment - 3 days left.. should I wait?
The OP's US status is resident alien, both IRS and US immigration service will treat her as such and she has all the responsibilities regarding health insurance and tax of a US resident. I'm not sure how the UK authorities will view her UK status if it ever becomes an issue.....would they decide that entry on the EB1 was enough to give up UK residency when it was a short trip and the OP intended to return to the UK after a couple of weeks... maybe not, but I don't know. The OP could be a dual resident right now and that will lead to complications in 2016 and 2017 taxes that will require the tax treaty to decide which country has primary taxation authority.
US Citizens resident in the UK do not need OCare or for that matter pay a penalty for not having it.
