{"id":3967,"date":"2025-03-27T19:59:05","date_gmt":"2025-03-27T11:59:05","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=3967"},"modified":"2026-02-19T01:31:34","modified_gmt":"2026-02-18T17:31:34","slug":"what-expats-need-to-know-about-the-affordable-care-act","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/what-expats-need-to-know-about-the-affordable-care-act.html","title":{"rendered":"What Expats Need to Know about the Affordable Care Act"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The Affordable Care Act, officially called the Patient Protection and Affordable Care Act (PPACA), was enacted in 2010 with the goal of lowering the uninsured rate, increasing insurance quality and affordability, and generally decreasing the burden of healthcare costs for people in the USA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In our latest <\/span><a href=\"https:\/\/www.pacificprime.com\/cost-of-health-insurance-2024\"><span style=\"font-weight: 400;\">report on the cost of health insurance<\/span><\/a><span style=\"font-weight: 400;\">, the US is again the most expensive place for health insurance. One major reason is that healthcare is very expensive in the US. People simply must have health insurance if they set foot on American soil.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Exactly is the ACA?<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-20522 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/us-flag-on-boat-with-new-york-city-skyline-in-the-background.webp\" alt=\"Image of U.S. Flag On Boat With New York City Skyline In The Background with text overlay of &quot;What Exactly is the ACA?&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/us-flag-on-boat-with-new-york-city-skyline-in-the-background.webp 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/us-flag-on-boat-with-new-york-city-skyline-in-the-background-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/us-flag-on-boat-with-new-york-city-skyline-in-the-background-600x337.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/us-flag-on-boat-with-new-york-city-skyline-in-the-background-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/us-flag-on-boat-with-new-york-city-skyline-in-the-background-150x84.webp 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The Affordable Care Act (ACA), commonly called <\/span><i><span style=\"font-weight: 400;\">Obamacare<\/span><\/i><span style=\"font-weight: 400;\">, was the major outcome of an overhaul of the US healthcare system by the US government. If you are an expat considering moving to the US or will be moving there shortly, there are some things you need to know about the ACA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The US government set out a number of mandates for the ACA, two of the most important being aimed at insurers and individuals. For insurers, they must:<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Accept all applicants<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Cover a set list of conditions (including many pre-existing conditions)<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Charge the same premiums for all applicants<\/b><\/li>\n<\/ul>\n<p>Individuals are required to secure compliant insurance plans if they do not have one provided by their employer or a public insurance plan. Since your ACA-compliant plan is proven via your tax returns, should you not have the required level of coverage, in the old days you could face hefty fines.<b><\/b><\/p>\n<p><span style=\"font-weight: 400;\">For an authoritative interpretation of the ACA, please visit the <\/span><a href=\"https:\/\/www.hhs.gov\/healthcare\/about-the-aca\/index.html\"><span style=\"font-weight: 400;\">official website<\/span><\/a><span style=\"font-weight: 400;\"> or consult a legal professional.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Who Needs to Secure ACA Plans?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Two major groups are required to secure ACA-compliant plans: individuals and companies. There can be some confusion whether the ACA applies to inbound or outbound expats, or both, and whether you are expected to secure a compliant plan or not.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">The ACA Mandate for Companies<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">According to the <\/span><a href=\"https:\/\/www.irs.gov\/\"><span style=\"font-weight: 400;\">Internal Revenue Service<\/span><\/a><span style=\"font-weight: 400;\"> (IRS), if your company employs more than 50 people, you are required to provide ACA-compliant health insurance to at least 95% of full-time employees and their dependents under the age of 26.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have fewer than 50 employees, you are not required to provide health insurance to them, but you are still encouraged to do so. To help cover the costs of health insurance for these smaller groups, the IRS offers tax rebates and options for offsetting the cost of providing health insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For more information on the ACA for employers, check out the IRS website <\/span><a href=\"https:\/\/www.irs.gov\/affordable-care-act\/employers\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">The ACA Mandate for Individuals and Their Families<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Generally speaking, all individuals who pay tax in the US are required to also secure an ACA-compliant plan either through their employer or through insurance marketplaces. This mandate also extends to spouses and dependents under the age of 26.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In other words, if you are required to submit a tax return with the IRS, you are very likely required to also have secured ACA-compliant health insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are a number of exemptions, which are explained in great detail in this <\/span><a href=\"https:\/\/www.fas.org\/sgp\/crs\/misc\/R41331.pdf\"><span style=\"font-weight: 400;\">PDF<\/span><\/a><span style=\"font-weight: 400;\"> from the Congressional Research Service. You can also visit the IRS\u2019s ACA for individuals <\/span><a href=\"https:\/\/www.irs.gov\/affordable-care-act\/individuals-and-families\"><span style=\"font-weight: 400;\">website<\/span><\/a><span style=\"font-weight: 400;\"> for more details.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">The ACA Individual Mandate and Expats<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As an outbound expat (someone who is a US citizen, but will be leaving for work overseas), you are still legally <\/span><b>required to have an ACA-compliant plan if you live abroad for 330 days a year or less<\/b><span style=\"font-weight: 400;\">. Should you go for, say, six months and then return, you will still need a compliant plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The specifics of how this applies can vary based on personal circumstances, and the IRS has stated that more comprehensive guidance will be made available.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For those who do spend most of the year outside of the US (more than 330 days), you are deemed to have an ACA-compliant plan, and can tick the relevant box when you file your tax return.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As an inbound expat, <\/span><b>if you are paying taxes in the US and spend 35 days or more a year in the US, you will be required to secure a compliant plan<\/b><span style=\"font-weight: 400;\">. This mandate applies to individuals required to file tax forms, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">US citizens<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legal US residents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Resident aliens<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-resident aliens<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Some students and diplomats are exempt from the mandate, but the <\/span><b>vast majority of inbound expats will need a <\/b><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/individual-health-insurance\/\"><b>compliant insurance plan<\/b><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Happens If I Don\u2019t Secure a Compliant Plan?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Previously, individuals who did not report adequate coverage would be fined, or as the IRS put it, you would be required to \u201cmake a shared responsibility payment.\u201d The exact amount would vary based on a number of conditions, including your annual salary, dependants, etc.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The good news is that, since 2019, this \u201cshared responsibility payment\u201d is no longer charged. You can learn more about the fate of this payment <\/span><a href=\"https:\/\/www.irs.gov\/affordable-care-act\/individuals-and-families\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before 2019, the US government officially followed a \u201cplay or pay\u201d policy when it came to the ACA and the securing of plans. If you did not secure a plan that met the requirements set out by the government, you would be fined, but you would not be arrested or deported.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For businesses these fines are still relevant and they are referred to by the IRS as \u201cEmployer Shared Responsibility Provisions,\u201d and they will vary depending on the situation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, if you have over 50 full-time employees and do not offer health insurance to at least 95% of your employees you will be fined at least USD $2,000 per employee with the first 30 employees not being counted. More information on the fines can be found <\/span><a href=\"https:\/\/www.irs.gov\/affordable-care-act\/employers\/employer-shared-responsibility-provisions\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Can I Secure a Plan Before I Leave for the US?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">For that, you have many options to choose from. You can choose to secure international health insurance for your time outside the USA and an ACA-compliant plan for your time inside the USA, or you can <\/span><b>secure an ACA-compliant <\/b><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><b>international health plan<\/b><\/a><b> for your health needs anywhere<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The reason why <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/\"><span style=\"font-weight: 400;\">global health insurance<\/span><\/a><span style=\"font-weight: 400;\"> is recommended is that, as an expat heading to or leaving the US, there is a good chance you will be returning to your home country for a vacation at least once a year.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Do expats need ACA-compliant health insurance in the US?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats living in the US for 35 days or more a year must secure ACA-compliant health insurance if they are subject to U.S. taxes.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What options do expats have for health insurance before moving to the US?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats can either secure separate health insurance plans for US and international coverage, or obtain an international health plan that meets ACA requirements for comprehensive protection.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What are the penalties for not having ACA-compliant insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There are no criminal penalties. It used to be that individuals would face fines if they did not maintain ACA-compliant coverage, but this penalty has been eliminated for tax years after 2018.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What are the main objectives of the Affordable Care Act (ACA)?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The ACA aims to make health insurance more accessible, expand <\/span><a href=\"https:\/\/www.medicaid.gov\/\"><span style=\"font-weight: 400;\">Medicaid<\/span><\/a><span style=\"font-weight: 400;\"> coverage for low-income individuals, and promote innovative healthcare delivery methods to reduce costs overall.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How does the ACA protect individuals with pre-existing conditions?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Insurers are prohibited from denying coverage or charging higher premiums based on pre-existing health issues, ensuring that everyone can obtain necessary care without financial penalties.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Until what age can young adults remain on their parents&#8217; health insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Individuals can stay on their parents&#8217; health plans until they turn 26, regardless of their marital status, financial independence, or living situation.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What happens when a young adult turns 26 regarding health coverage?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Coverage ends on their 26th birthday, but they may qualify for a <\/span><a href=\"https:\/\/www.healthcare.gov\/coverage-outside-open-enrollment\/special-enrollment-period\/\"><span style=\"font-weight: 400;\">Special Enrollment Period<\/span><\/a><span style=\"font-weight: 400;\"> to secure new insurance outside the regular enrollment timeframe.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can insurance companies cancel my coverage for minor mistakes?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Insurers <\/span><b>cannot<\/b><span style=\"font-weight: 400;\"> cancel your policy due to simple errors on applications. However, they can cancel for intentional misrepresentation or non-payment of premiums.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What are my rights if an insurer denies a claim?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You have the right to appeal a denial, either through an internal review by the insurer or by taking the case to an independent external reviewer.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Are there limitations on annual or lifetime coverage under the ACA?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The ACA prohibits insurance plans from setting annual or lifetime dollar limits on essential health benefits, this ensures comprehensive coverage for necessary medical care.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What preventive services are covered without cost-sharing?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Most plans cover preventive services like vaccinations, screenings, and wellness visits at no additional cost when provided by in-network healthcare providers.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can companies avoid providing health insurance for all employees?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Employers with fewer than 50 full-time employees are not mandated to provide health insurance, but they are encouraged to do so and may receive tax incentives.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion: Compare Plans and Quotes Now<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">At Pacific Prime, we have a full range of insurance plans, including <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.com\/medical-evacuation-guide\/\"><span style=\"font-weight: 400;\">medical evacuation (medevac)<\/span><\/a><span style=\"font-weight: 400;\"> plans for you to choose from. We also offer <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/family\/\"><span style=\"font-weight: 400;\">family health<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/maternity\/\"><span style=\"font-weight: 400;\">maternity health<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/dental\/\"><span style=\"font-weight: 400;\">dental insurance<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/travel-insurance-and-short-term-health-insurance-for-expats\/\"><span style=\"font-weight: 400;\">travel insurance<\/span><\/a><span style=\"font-weight: 400;\">, and numerous other types of plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To learn more about our insurance plans with US coverage (including ACA-compliant international health insurance plans) or for a free quote, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact one of our professional advisors<\/span><\/a><span style=\"font-weight: 400;\"> today! You are also welcome to compare plans using our <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">online comparison tool<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Affordable Care Act, officially called the Patient Protection and Affordable Care Act (PPACA), was enacted in 2010 with the goal of lowering the uninsured rate, increasing insurance quality and affordability, and generally decreasing the burden of healthcare costs for people in the USA. In our latest report on the cost of health insurance, the &#8230;<\/p>\n","protected":false},"author":63,"featured_media":20521,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713],"tags":[1395,1396,1749,1397,1398,1746],"class_list":["post-3967","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","tag-aca","tag-aca-compliant-health-insurance","tag-ban_sin","tag-cigna","tag-cigna-international-health-insurance","tag-cta_gen"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Expats Need to Know about the Affordable Care Act<\/title>\n<meta name=\"description\" content=\"The Affordable Care Act requires virtually all expats to have compliant health insurance. We also tell you the other things to know about the ACA.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/what-expats-need-to-know-about-the-affordable-care-act.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Expats Need to Know about the Affordable Care Act\" \/>\n<meta property=\"og:description\" content=\"The Affordable Care Act requires virtually all expats to have compliant health insurance. 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