Health insurance for long stay usa
#16
Account Closed
Joined: Mar 2004
Posts: 2
Re: Health insurance for long stay usa
There was all the fuss about people retiring to Spain but using the NHS. Not sure how you can be a US Permanent Resident and Ordinarily Resident for NHS purposes for example.
I think the problem here is that there many many definitions of what a resident is, so which one you are are looking at. From a LPR perspective you can certainly leave the US, all the references I know of relate to trips and setting up residency elsewhere does not sound like a trip?
I think the problem here is that there many many definitions of what a resident is, so which one you are are looking at. From a LPR perspective you can certainly leave the US, all the references I know of relate to trips and setting up residency elsewhere does not sound like a trip?
#18
Account Closed
Joined: Mar 2004
Posts: 2
Re: Health insurance for long stay usa
Think I had a post go missing.
Anyway he is certainly claiming to be resident in the US, and Travel Insurance in the UK is not sold to those resident in other countries. There may be some wiggle room on some but they to my knowledge all require you to be eligible for the NHS, which brings back to ordinary resident.
Anyway he is certainly claiming to be resident in the US, and Travel Insurance in the UK is not sold to those resident in other countries. There may be some wiggle room on some but they to my knowledge all require you to be eligible for the NHS, which brings back to ordinary resident.
#20
Heading for Poppyland
Joined: Jul 2007
Location: North Norfolk and northern New York State
Posts: 14,543
#21
Heading for Poppyland
Joined: Jul 2007
Location: North Norfolk and northern New York State
Posts: 14,543
Re: Health insurance for long stay usa
There was all the fuss about people retiring to Spain but using the NHS. Not sure how you can be a US Permanent Resident and Ordinarily Resident for NHS purposes for example.
I think the problem here is that there many many definitions of what a resident is, so which one you are are looking at. From a LPR perspective you can certainly leave the US, all the references I know of relate to trips and setting up residency elsewhere does not sound like a trip?
I think the problem here is that there many many definitions of what a resident is, so which one you are are looking at. From a LPR perspective you can certainly leave the US, all the references I know of relate to trips and setting up residency elsewhere does not sound like a trip?
#22
Account Closed
Joined: Mar 2004
Posts: 2
Re: Health insurance for long stay usa
Even in one US state it varies, where I am a lot of people whose main residency is say in Denver claim here as their primary residence as car tax is cheaper, but no doubt claim Denver as their residency for Health insurance as that is cheaper. Then we have residency for schooling, drivers license etc etc etc.
#23
Re: Health insurance for long stay usa
Never mind US Immigration....no one has mentioned the IRS yet.
#24
Re: Health insurance for long stay usa
But isn’t robin1234 a citizen of both countries and therein lies the difference between his situation and that of the OP.
#26
BE Enthusiast
Joined: Aug 2010
Location: NYC
Posts: 470
Re: Health insurance for long stay usa
According to gov.uk (and thus HMRC), you can technically be domiciled in two countries:
https://www.gov.uk/government/public...nce-basis-rdr1
IRS is a different matter altogether as per Jerseygirl.
https://www.gov.uk/government/public...nce-basis-rdr1
IRS is a different matter altogether as per Jerseygirl.
#27
BE Forum Addict
Joined: Aug 2013
Location: Eee Bah Gum
Posts: 4,131
Re: Health insurance for long stay usa
According to gov.uk (and thus HMRC), you can technically be domiciled in two countries:
https://www.gov.uk/government/public...nce-basis-rdr1
IRS is a different matter altogether as per Jerseygirl.
https://www.gov.uk/government/public...nce-basis-rdr1
IRS is a different matter altogether as per Jerseygirl.
Dual residence
1.6 It is possible for you to be UK resident under UK tax rules and at the same time be resident in another country under that country’s rules. This is sometimes referred to as ‘dual residence’. If you’re UK resident and resident in another country, and the UK has a DTA with the other country, there may be provisions that determine where you will pay tax. You will need to look at the guidance in section 10.If the OP is domiciled in the UK and paying UK taxes then he should be eligible to buy travel/health insurance from a UK provider. We do this but have never stayed more than 30 days in the US so have no idea of cost for longer stays.
Last edited by durham_lad; Mar 26th 2021 at 9:38 am.
#28
Account Closed
Joined: Mar 2004
Posts: 2
Re: Health insurance for long stay usa
From the above link,
There is a DTA between the USA and the UK so if you are resident in both countries, or a US citizen living in the UK, the DTA determines which country has primary taxing authority for the different streams of income.
If the OP is domiciled in the UK and paying UK taxes then he should be eligible to buy travel/health insurance from a UK provider. We do this but have never stayed more than 30 days in the US so have no idea of cost for longer stays.
There is a DTA between the USA and the UK so if you are resident in both countries, or a US citizen living in the UK, the DTA determines which country has primary taxing authority for the different streams of income.
If the OP is domiciled in the UK and paying UK taxes then he should be eligible to buy travel/health insurance from a UK provider. We do this but have never stayed more than 30 days in the US so have no idea of cost for longer stays.
#29
BE Forum Addict
Joined: Aug 2013
Location: Eee Bah Gum
Posts: 4,131
Re: Health insurance for long stay usa
Each year I have to file taxes in both countries and claim foreign tax credits to ensure I don’t get double taxed.
ETA
My wife and I both have Medicare cards - Part A, so at least our US travel insurance only has to cover non-hospital medical care. That is also an option for the OP who has paid his 40 quarters into Medicare. We applied for and received our Medicare cards from England. Application through the US Embassy in London.
Last edited by durham_lad; Mar 26th 2021 at 2:56 pm.
#30
Heading for Poppyland
Joined: Jul 2007
Location: North Norfolk and northern New York State
Posts: 14,543
Re: Health insurance for long stay usa
That, plus I have Medicare. But, as I think boiler and durham_lad detail in some posts (above), there’s a lot of government agencies in both countries who have an interest in claiming you are or are not a resident - depending on whether you are potentially a source of income, or a recipient of services. I’ve always assumed I’m a resident of both countries, since 2015, and no government agency in either country has concerned themselves with challenging that.