{"id":423,"date":"2022-10-20T10:00:27","date_gmt":"2022-10-20T08:00:27","guid":{"rendered":"https:\/\/carexpat.com\/blog\/?p=423"},"modified":"2024-10-15T14:23:25","modified_gmt":"2024-10-15T12:23:25","slug":"lobamacare-tout-savoir-sur-la-legislation-actuelle","status":"publish","type":"post","link":"https:\/\/carexpat.com\/blog\/lobamacare-tout-savoir-sur-la-legislation-actuelle\/","title":{"rendered":"L\u2019Obamacare : tout savoir sur la l\u00e9gislation actuelle"},"content":{"rendered":"<h2 class=\"wp-block-heading\">L\u2019Obamacare c\u2019est quoi ?<\/h2>\n<p>L\u2019Obamacare est une loi qui a \u00e9t\u00e9 vot\u00e9e durant la pr\u00e9sidence de Barack Obama. Elle r\u00e9forme le syst\u00e8me de sant\u00e9 aux \u00c9tats-Unis. De son vrai nom \u201cPatient Protection and Affordable Care Act\u201d (ACA), en fran\u00e7ais Loi \u201csur la protection des patients et les soins abordables\u201d. Elle a \u00e9t\u00e9 promulgu\u00e9e par le pr\u00e9sident en mars 2010 et est en vigueur depuis janvier 2014. Elle constitue un pan important de la r\u00e9forme du syst\u00e8me de <a target=\"_blank\" href=\"https:\/\/carexpat.com\/blog\/expatriation-etats-unis\/\" rel=\"noopener\">protection sociale aux \u00c9tats-Unis<\/a> avec le \u201cHealth Care and Education Reconciliation Act\u201d.<\/p>\n<p>Cette r\u00e9forme am\u00e8ne de nouvelles obligations pour les assureurs, qui doivent au minimum proposer les 10 garanties suivantes dans leur contrat :<\/p>\n<ul>\n<li>Les services ambulatoires,<\/li>\n<li>Les services d\u2019urgence,<\/li>\n<li>L\u2019hospitalisation,<\/li>\n<li>L\u2019<a href=\"https:\/\/carexpat.com\/blog\/accoucher-aux-etats-unis-etude-de-cas\/\">accouchement <\/a>et la prise en charge du nouveau-n\u00e9,<\/li>\n<li>La sant\u00e9 mentale,<\/li>\n<li>Les prescriptions m\u00e9dicales,<\/li>\n<li>Les services de r\u00e9\u00e9ducation,<\/li>\n<li>Les analyses en laboratoire,<\/li>\n<li>La pr\u00e9vention et la prise en charge des maladies chroniques,<\/li>\n<li>Les services p\u00e9diatriques.<\/li>\n<\/ul>\n<p>Cette loi avait pour ambition de permettre au plus grand nombre d\u2019Am\u00e9ricains de b\u00e9n\u00e9ficier d\u2019une couverture sant\u00e9. Ce qui se traduit par une obligation des citoyens am\u00e9ricains de souscrire \u00e0 une assurance sant\u00e9 aupr\u00e8s d\u2019un assureur priv\u00e9 r\u00e9pertori\u00e9 sur le site gouvernemental Healthcare.gov.<\/p>\n<p>En contrepartie de cette obligation, l&rsquo;\u00c9tat aide les citoyens qui n\u2019ont pas les moyens de souscrire \u00e0 une assurance sant\u00e9 priv\u00e9e, gr\u00e2ce \u00e0 des aides fiscales pour pouvoir se payer cette couverture et donc avoir acc\u00e8s aux soins. Les soins aux USA \u00e9tant<a target=\"_blank\" href=\"https:\/\/carexpat.com\/blog\/augmentation-des-couts-de-sante-aux-usa\/\" rel=\"noopener\"> tr\u00e8s chers et continuant de grimper<\/a>, comptez 120 dollars (105 euros) pour une consultation chez un m\u00e9decin g\u00e9n\u00e9raliste. Beaucoup d\u2019Am\u00e9ricains ne pouvaient pas se faire soigner et encore moins avoir acc\u00e8s \u00e0 une couverture sociale. Avant la loi Obamacare, une vingtaine de millions d\u2019Am\u00e9ricains vivaient sans assurance sant\u00e9, en 2016 ce chiffre avait chut\u00e9 \u00e0 8,9 %.<\/p>\n<h2>Abrogation de l\u2019Obamacare ?<\/h2>\n<p>Le S\u00e9nat am\u00e9ricain a rejet\u00e9 l\u2019abrogation de l\u2019Obamacare demand\u00e9e par le pr\u00e9sident Trump lors de sa prise de fonction en janvier 2017. En effet, la chambre des repr\u00e9sentants (\u00e0 majorit\u00e9 r\u00e9publicaine) s&rsquo;oppose \u00e0 l\u2019abrogation visant \u00e0 supprimer la loi Obamacare.<\/p>\n<p>Cette l\u00e9gislation est donc toujours en place, mais Donald Trump a mis en place le d\u00e9cret Tax Cuts and Jobs Act (TCJA) en d\u00e9cembre 2017. Ce d\u00e9cret annule les p\u00e9nalit\u00e9s individuelles li\u00e9es \u00e0 l\u2019obligation de souscrire \u00e0 une assurance sant\u00e9 priv\u00e9e.<br \/>Malgr\u00e9 tout, 5 \u00c9tats ont d\u00e9cid\u00e9 de remettre en vigueur ces p\u00e9nalit\u00e9s, aussi appel\u00e9es \u00ab\u00a0individual mandate tax penalties\u201d.<\/p>\n<h2 class=\"wp-block-heading\">Quels sont les \u00c9tats concern\u00e9s et les p\u00e9nalit\u00e9s en vigueur ?<\/h2>\n<p>Les individual mandates correspondent \u00e0 l\u2019obligation pour les r\u00e9sidents l\u00e9gaux permanents ainsi que pour les ressortissants \u00e9trangers et leur famille r\u00e9sidant aux \u00c9tats-Unis de souscrire \u00e0 une assurance sant\u00e9 site \u201cessentiel minimum\u201d priv\u00e9 am\u00e9ricaine (\u201cMinimum Essential Coverage\u201d le MEC). Sans quoi, les citoyens de ces \u00c9tats s&rsquo;exposent \u00e0 des p\u00e9nalit\u00e9s financi\u00e8res.<\/p>\n<p>Les cinq \u00c9tats concern\u00e9s par les p\u00e9nalit\u00e9s li\u00e9es \u00e0 l\u2019Obamacare sont : la Californie (CA), le New Jersey (NJ), le District of Columbia (DC), le Massachusetts (MASS) et le Rhode Island (RI). Le Vermont (VT) y r\u00e9fl\u00e9chit, mais n\u2019a pas encore finalis\u00e9 les montants des p\u00e9nalit\u00e9s \u00e0 ce jour.<\/p>\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" class=\"wp-image-424\" title=\"sant\u00e9 usa obamacare\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2024\/01\/tableau-Obamacare-article-augmentation-des-couts-aux-usa-scaled.jpg\" alt=\"Obamacare la l\u00e9gislation actuelle - Tableau des Etats concern\u00e9\" \/><\/p><figcaption class=\"wp-element-caption\">Tableau des Etats concern\u00e9s par les p\u00e9nalit\u00e9s li\u00e9es \u00e0 l&rsquo;Obamacare &#8211; carexpat.com<\/figcaption><\/figure>\n<p><!-- \/divi:image --><\/p>\n<h2>L\u2019Obamacare concerne-t-il les expatri\u00e9s ?<\/h2>\n<p>L\u2019Obamacare avait rendu obligatoire la souscription \u00e0 une <a href=\"https:\/\/carexpat.com\/blog\/accident-a-l-etranger-assurance-sante-internationale\/\">assurance sant\u00e9<\/a> pour tous les r\u00e9sidents am\u00e9ricains, ce qui inclut les expatri\u00e9s.<br \/>Il est indispensable de s\u2019assurer, car les frais de sant\u00e9 sont tr\u00e8s \u00e9lev\u00e9s aux USA et continuent d\u2019augmenter d\u2019ann\u00e9e en ann\u00e9e, mais vous pouvez maintenant vous assurer aupr\u00e8s d\u2019un assureur fran\u00e7ais.<\/p>\n<p>En ce qui concerne les 5 \u00c9tats concern\u00e9s par les \u201cindividual mandates\u00a0\u00bb, il existe des solutions qui vous permettront d\u2019\u00eatre conformes \u00e0 la r\u00e9glementation en vigueur, m\u00eame en \u00e9tant assur\u00e9 aupr\u00e8s d\u2019un assureur fran\u00e7ais. En effet, certaines conditions peuvent vous permettre d\u2019\u00eatre exon\u00e9r\u00e9 de l\u2019obligation de souscrire \u00e0 une assurance sant\u00e9 priv\u00e9e am\u00e9ricaine. Nos experts en assurance sant\u00e9 internationale vous accompagnent dans vos d\u00e9marches.<\/p>\n<h2>En r\u00e9sum\u00e9\u2026.<\/h2>\n<p>ean-Christophe Pandolfi, CEO de carexpat.com et ancien expatri\u00e9 aux USA vous explique les points clefs de l\u2019Obamacare, les \u00c9tats o\u00f9 les p\u00e9nalit\u00e9s sont encore en vigueur, sans oublier les solutions que propose carexpat.com pour vous accompagner dans vos parcours de soins aux USA. Quel que soit votre \u00c9tat de r\u00e9sidence aux \u00c9tats-Unis, nous avons des solutions \u00e0 vous proposer.<\/p>\n<p><!-- divi:embed {\"url\":\"https:\/\/www.youtube.com\/watch?v=9I6uRp2Z-7A\",\"type\":\"video\",\"providerNameSlug\":\"youtube\",\"responsive\":true,\"className\":\"wp-embed-aspect-16-9 wp-has-aspect-ratio\"} --><\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<\/div><figcaption class=\"wp-element-caption\">Obamacare &#8211; carexpat.com &#8211; Jean-Christophe Pandolfi, CEO carexpat.com<\/figcaption><\/figure>\n<p><!-- \/divi:embed --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019Obamacare c\u2019est quoi ? L\u2019Obamacare est une loi qui a \u00e9t\u00e9 vot\u00e9e durant la pr\u00e9sidence de Barack Obama. Elle r\u00e9forme le syst\u00e8me de sant\u00e9 aux \u00c9tats-Unis. De son vrai nom \u201cPatient Protection and Affordable Care Act\u201d (ACA), en fran\u00e7ais Loi \u201csur la protection des patients et les soins abordables\u201d. Elle a \u00e9t\u00e9 promulgu\u00e9e par le [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6284,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10],"tags":[135,101,156],"class_list":["post-423","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conversion","tag-etats-unis","tag-expat","tag-usa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>L&#039;Obamacare : tout savoir sur la l\u00e9gislation actuelle en vigueur<\/title>\n<meta name=\"description\" content=\"Tout savoir sur l&#039;Obamacare, la l\u00e9gislation de sant\u00e9 actuelle : couverture, avantages, co\u00fbts, et bien plus encore.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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