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Breaking Barriers to Healthcare Access: Unlocking Premium Tax Credits for International Students and Noncitizens in the U.S
Journal article

Breaking Barriers to Healthcare Access: Unlocking Premium Tax Credits for International Students and Noncitizens in the U.S

Tony L. J. Lin and Anthony P. Curatola
The ATA journal of legal tax research, v 23(1), pp 1-10
01 Mar 2025

Abstract

Affordable Care Act healthcare affordability international students lawfully present nonresident alien premium tax credit substantial presence test
This paper examines the eligibility of the Premium Tax Credit (PTC) for noncitizen visa holders in the U.S., focusing on F-1 and F-2 visa holders. Although being “lawfully present” under the Affordable Care Act (ACA) is necessary to access PTC benefits, additional tax residency and filing requirements create unintended barriers. The law allows nonmarried international students who meet the lawfully present requirement to claim the credit but excludes married couples due to the joint filing prohibition for nonresident aliens under IRC § 6013(a)(1). This study highlights systemic misunderstandings surrounding PTC qualification, advocating for legislative reforms and enhanced guidance from the Department of Treasury. By fostering collaboration among policymakers, educators, and tax professionals, the paper calls for clearer eligibility criteria and policy adjustments to ensure broader, equitable access to healthcare subsidies, reinforcing the U.S.’s commitment to supporting international students and global academic talent.

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Collaboration types
Domestic collaboration
Web of Science research areas
Business, Finance
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