Long-Term Travel, ACA and Scuba Diving
Hi - are there folks on the board who are U.S. Residents (require ACA compliance) but also travel long term (45 days to 6 months) internationally? What insurance options do you have (or are you considering?)
We have the Annual DAN travel (with medical) plan along with US employer based plan, but upon retirement, we will be spending about 6 months internationally and having a hard time finding the right options....most have a 31 or 45 day max per trip, or are designed for travel rather than medical. We scuba dive so we plan to get DAN accident to cover Evacuations but still prefer some sort of catastrophic medical. Hubby gets kidney stones so a per trip travel (like nomads that allow up to 6 months) will exclude pre-existing....seem silly to pay ACA plus international as well, so any advice will be a huge help!
I found a few threads on international living, ACA and international medical, but couldn't find any info for trips that last for more than 45 days but less than ACA exemptions (only about 6 months outside the U.S.)...
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