Health insurance - open enrollment - 3 days left.. should I wait?
#47
Re: Health insurance - open enrollment - 3 days left.. should I wait?
It is not an either or scenario, the UK has its own rules regarding NHS and nothing in there makes any reference to your deemed status anywhere else, the only thing that matters for NHS whatever is that they meet those requirements as they seem to do/
US Citizens resident in the UK do not need OCare or for that matter pay a penalty for not having it.
US Citizens resident in the UK do not need OCare or for that matter pay a penalty for not having it.
Last edited by nun; Jan 20th 2017 at 8:09 pm.
#48
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Posts: 2
Re: Health insurance - open enrollment - 3 days left.. should I wait?
#49
Re: Health insurance - open enrollment - 3 days left.. should I wait?
Being resident in the US, for immigration purposes would kind of trump all other definitions, if one wanted to remain in the US though.
#50
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Joined: Apr 2011
Location: Ohio
Posts: 1,834
Re: Health insurance - open enrollment - 3 days left.. should I wait?
I don't know if the OP will be able to buy it then, though. I suspect asking the healthcare agent 'we're moving to the US and arriving in April - can we buy insurance then?' (absolutely - qualifying life event outside of open enrollment and all that) would get a very different answer to 'we're Permanent Residents who're going to be spending the first few months of 2017 in the UK - can we save money by skipping buying health insurance until we get back to the US in April?'
#51
Re: Health insurance - open enrollment - 3 days left.. should I wait?
My intuition on this is that the OP is dual resident in US and UK.....so NHS will be ok and maybe she can even use is as continual coverage to avoid any penalty. She'll be taxable by the US on all income after she entered on the EB1 and so will have to go through the tie breaker rules to decide who to pay first. I think the UK will win on that one for UK sourced income so she'll have to apply FTCs for any PAYE tax withheld.
Last edited by nun; Jan 20th 2017 at 8:25 pm.
#52
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Posts: 2
Re: Health insurance - open enrollment - 3 days left.. should I wait?
Parents petitioned, come to the US to activate GC, files for minor children, and a 2 year re entry permit and heads home to wait out the visa number.
So they are not resident in their home country in the getting on for 2 years it will take?
Are they are resident in the State for DMV purposes? In State tuition?
#53
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Posts: 2
Re: Health insurance - open enrollment - 3 days left.. should I wait?
You can be dual resident. But, by returning to, and working in, the UK after activating the US permanent residency the OP is doing something that US immigration specifically advises against and the Feds have no sense of humour about these things.
My intuition on this is that the OP is dual resident in US and UK.....so NHS will be ok and maybe she can even use is as continual coverage to avoid any penalty. She'll be taxable by the US on all income after she entered on the EB1 and so will have to go through the tie breaker rules to decide who to pay first. I think the UK will win on that one for UK sourced income so she'll have to apply FTCs for any PAYE tax withheld.
My intuition on this is that the OP is dual resident in US and UK.....so NHS will be ok and maybe she can even use is as continual coverage to avoid any penalty. She'll be taxable by the US on all income after she entered on the EB1 and so will have to go through the tie breaker rules to decide who to pay first. I think the UK will win on that one for UK sourced income so she'll have to apply FTCs for any PAYE tax withheld.
#54
Re: Health insurance - open enrollment - 3 days left.. should I wait?
The OP activated the PR status when she entered on the EB1. She was admitted to the US as a permanent resident so that's how the US sees her. The UK probably also still sees her as a UK resident. The thing in all this that is worrying is the misunderstanding of the implications of this dual residency status...particularly for taxation.
Last edited by nun; Jan 20th 2017 at 8:45 pm.
#55
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Re: Health insurance - open enrollment - 3 days left.. should I wait?
The OP activated the PR status when she entered on the EB1. She was admitted to the US as a permanent resident so that's how the US sees her. The UK probably also still sees her as a UK resident. The thing in all this that is worrying is the misunderstanding of the implications of this dual residency status...particularly for taxation.
#56
Re: Health insurance - open enrollment - 3 days left.. should I wait?
The easiest way to have done this would have been to file a P85 with HMRC just before leaving for the US and then staying in the US after initial entry on the EB1. No dual residency and far simpler paperwork......still it's more of an inconvenience than anything else.
With all these complications I hope the OP has organized her finances, like stocks and shares ISAs etc, to be simple and efficient for US tax purposes.
Last edited by nun; Jan 20th 2017 at 11:32 pm.
#57
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Posts: 2
Re: Health insurance - open enrollment - 3 days left.. should I wait?
I did not think the UK taxes world wide income?
#59
Re: Health insurance - open enrollment - 3 days left.. should I wait?
Yes, this bites those who leave for work overseas, but for whatever reason return to the UK before they spent long enough outside the UK to establish tax residence overseas. If they hurry home they get landed with a tax bill. This especially applies to those who go to the Middle East expecting to pay little or no income tax.
#60
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Joined: Apr 2010
Posts: 1,156
Re: Health insurance - open enrollment - 3 days left.. should I wait?
I just wanted to mention that open enrollment is still open, but enrolling by January 31 will get you coverage starting March 1, not February 1. You need to enroll before the 15th of the month to get coverage by the 1st of the next.
So, you're down to ≤2 months 'wasted' premiums. I will join in with everyone else advising the OP to make a serious effort to get coverage now. 'Address was too hard' will seem like an incredibly weak excuse if you find yourself needing that medical coverage
So, you're down to ≤2 months 'wasted' premiums. I will join in with everyone else advising the OP to make a serious effort to get coverage now. 'Address was too hard' will seem like an incredibly weak excuse if you find yourself needing that medical coverage