内容来自 https://taxsummaries.pwc.com/peoples-republic-of-china/individual/residence 这里要是有税务专家，欢迎批评指正哈 China-domiciled individuals and non-China-domiciled individuals who reside in China for 183 days or more in a tax year are considered residents for IIT purpose. Residents in general are subject to IIT on their worldwide income. Non-China-domiciled individuals who reside in China for less than 183 days in a tax year are considered non-residents for IIT purpose. Non-residents in general are subject to IIT on their China-source income only. China-domiciled individuals are those who habitually reside in China because of their legal residency status, family, or economic ties in China. Chinese nationals, excluding residents of Hong Kong, Macau, and Taiwan who are normally considered as non-China-domiciled individuals, are generally considered to have a domicile in China. Foreign individuals and residents of Hong Kong, Macau, and Taiwan are generally taxed in accordance with their physical presence in China, as follows: Foreign individuals who reside in China for less than 183 days will be taxed only on their China-source income (see the Income determination section for more information on China-source income). Foreign individuals who reside in China for 183 days or more in a tax year but not more than six consecutive years will be subject to tax on both their China-source income and their foreign-source income. However, as a concession, foreign-source income is taxed only to the extent of income paid and/or borne by a China entity or individual. Foreign individuals who reside in China for 183 days or more per year for over six consecutive years will be subject to IIT on their worldwide income from the seventh consecutive year onward if they reside in China for 183 days or more during the year. The 'six-year' count is reset if the foreign individual spends more than 30 consecutive days outside of China during any tax year. Foreign individuals who travel to China and derive income from an overseas employer with no permanent establishment in China will be tax exempt if they do not physically stay in China cumulatively for more than 90 days in a calendar year. If the individual is a tax resident of a country/region that has concluded a tax treaty/arrangement with China, the 90-day threshold is extended to 183 days during a calendar year or any 12 consecutive months, depending on the applicable tax treaty/arrangement. The following categories of income, regardless of whether the payments are made within China or not, are considered China-source income: Income derived from employment or contracted labour services performed within the territory of China. Rental income in relation to property used within the territory of China. Income derived from the transfer of real property located within China or other property transfer transactions incurred within the territory of China. Income derived through the grant of various franchises to be used within the territory of China. Interest and dividend income paid by companies, enterprises, other organisations, or resident individuals within the territory of China. The following income is also considered China-source income: Author's remuneration paid or borne by companies, enterprises, or other organisations within the territory of China. Incidental income paid or borne by companies, organisations, or resident individuals within the territory of China. Business income derived from business activities performed within the territory of China. Income from transfer of equity in a foreign entity if, at any time during the three-year period (36 consecutive calendar months) prior to the transfer, more than 50% of the fair value of the assets of the invested foreign entity is derived directly or indirectly from immovable properties located within the territory of China.
对medicare好像是这样.
楼主问的这段时间medicare本来就不available,需要自己买obamacare。
不生活在美国不买无所谓。
啊？我想这买一个保险就可以了呀，要么中国的要么美国的， 美国保险还要一直买 有这种说法？
大病回美国也没医保啊。一直买obama care保大病可行吗？
可以啊
如果50岁就不再在美国住了，可以买国际保险，比如https://www.imglobal.com/international-health-insurance
这个要看有没有preexisting conditions，但是好像不是很贵，一个月100多美元？要看你保哪些国家和地区。其实大部分国家普通体检甚至小手术都不是很贵，自费都比在美国买保险便宜。
50岁以上在美国买奥巴马保险，如果收入过线没有补贴的话，好像一个人一个月要1000美元左右。如果收入控制的很低（有具体公式，是联邦贫困线的150%到400%之间好像），保费也很低。
但是Medicare也好Obamacare也好，一般不保你在境外医院看病的支出（也有特殊情况，要看具体的保险计划）。
这个说的是到了65岁以后不参加Medicare，如果以后想再参加有罚款吧？65岁以前没人管啊。
有户口当然是社区保险了
回美国也不是你一回来就有医疗保险的啊，不管啥保险也得预先申请啊
medicare, medicaid 不管国际的，除了大家拿和墨西哥某些紧急特殊情况
我有户口的，请问买社保/医保 要提前多少年开始买呢？ 谢谢
这个美国的医疗保险是通过雇主或者退休计划买的吗？还是通过ACA（俗称奥记健保）买的？
如果是ACA的计划，每年都可以重新买（年底或者年中发生特殊情况，如失业等）。如果是其他计划就要看具体情况。如果你的双亲80多岁，估计你也就50多岁不太可能已经用上Medicare了吧。Medicare要65岁以上，要不就是你父母生你的时候很年轻。
如果想拿退休金，需要交满15-20年社保，但如果只是要医保，随时都可以加入社保医保，等候期可能几个月就够了。但不能不买社保只买医保。这两个加起来目前最低档一两千人民币一个月。社保和ssn不同的地方，如果以后不想交了之前交的还给退，但没利息。
问社区 各地不一样
mark
交15年社保退休了可以拿多少钱啊
这个不太好操作。不是resident了Obamacare 就不能一直买了吧。如果有大病回美国能马上买到保险吗？
你这个美国的是哪家啊？
这个美国的医疗保险是我去世丈夫的公司保险，是政府部门职工保险。我只要一直付款，就能保留这个保险。
是政府职工家属的保险，放弃以后就不能再没买了。
我也不清楚，估计很少，公式很复杂，就聊胜于无吧。
你的问题先要解决在中国长期居住的问题。
如果你是美国绿卡，那么每年需要在美国驻6个月，你能做到吗？如果不能定期返回美国，那么你的美国绿卡会有麻烦，美国保险也用不着了。 如果你是美国公民，如果没有中国绿卡，你怎么能长期在中国居住？如果短期在中国的话，不必买保险，中国自费看病的钱大概比美国保险费还便宜
我现在是公民，按照我学到的是申请 Q2签证，不能超过120天，要到香港转一圈，再回内地。周而复始。不知道对不对？
特意上来回你这个，要是我会继续付，如果未来还要回美国，会用到的，哪怕现在每年出不少钱还好似用不上，但是人上了50岁，身体机能逐渐衰退，各自状况慢慢找上了，都是要提前规划和预备，不然到时用的时候没有也不可能马上补齐
应该是这样的。比较麻烦的是碰到疫情期间封城的情况，这种情况去不了香港怎么办？算非法逾期居留？而且到了香港就不再让你入境了，只能回美国了吧。
现在还好，中国好像没有对外国人在华居民全球征税的说法。泰国最近提出也要搞全球征税（比如你在泰国拘留超过185天，泰国就认为你是泰国税务居民，那你在本国的收入也要交泰国所得税）。但是以后难免不推出这种政策啊。
都退休了，没收入，全球缴税无所谓。全球交税得有国家实力，要不然人家就退籍了。到是08保险如果GOP上台有点危险。
这个要看细节，很多国家对pension和401K，IRA也要征税的。这个比较复杂，要看你居住的国家是否将在该国常驻的外国人视为税务居民 tax residents
比如西班牙有个wealth tax，不看收入看财产，总财产超过3百万欧元的，每年交2%，很厉害的。最近又搞了个团结税，说是因为能源涨价，需要有钱人拿钱出来帮大家共度时艰。 https://kpmg.com/xx/en/home/insights/2023/02/flash-alert-2023-043.html#:~:text=The%20wealth%20tax%20is%20levied,to%20the%20wealth%20tax%20rules.
楼主，再想问一句：你是美籍，是怎么做到有中国的退休的医疗保险的？我理解如果就医，需要中国的医疗卡和身份证，你怎么'做到可以有的？ 先谢谢了
按PWC的说法，中国的税法是： 1。对居民resident（比如有中国绿卡或者长期签证的）的全球收入征税； 2。对非居民，只对在中国取得的收入征税；
具体的细节自己看哈。https://taxsummaries.pwc.com/peoples-republic-of-china/individual/taxes-on-personal-income#:~:text=Individual%20%2D%20Taxes%20on%20personal%20income,-Last%20reviewed%20%2D%2028&text=Residents%20are%20generally%20subject%20to,Residence%20section%20for%20more%20information).
我的理解是：
假如美国公民（非中国居民）带了一笔钱去中国生活，放在银行里挣了一些利息，比方说有35000人民币。这笔钱要向中国税务局交2660元税款。同时，这笔利息收入银行还要向美国税务局报告，还需要交美国的所得税。中美之间有没有避免双重征税协议，我还没搞清楚。
实际上大家有没有交税呢，我也不知道。只知道现在外国人在中国开个银行帐户都很难。
我50岁就办理了退休手续，医疗保险要25年，补了欠款。现在中国政策是办理了退休，在入籍还是可以用国内的医疗保险的。
中美是有tax treaty，这个不是问题。
各个地方不一样的，政策年年变，有的地方允许只买医保。
美国公民如果回中国照顾父母可以办一个居住证，一次可以呆两年。
是吗？这个可以在国内办吗？我的L签证只可以呆60天
内容来自 https://taxsummaries.pwc.com/peoples-republic-of-china/individual/residence 这里要是有税务专家，欢迎批评指正哈
China-domiciled individuals and non-China-domiciled individuals who reside in China for 183 days or more in a tax year are considered residents for IIT purpose. Residents in general are subject to IIT on their worldwide income. Non-China-domiciled individuals who reside in China for less than 183 days in a tax year are considered non-residents for IIT purpose. Non-residents in general are subject to IIT on their China-source income only. China-domiciled individuals are those who habitually reside in China because of their legal residency status, family, or economic ties in China. Chinese nationals, excluding residents of Hong Kong, Macau, and Taiwan who are normally considered as non-China-domiciled individuals, are generally considered to have a domicile in China. Foreign individuals and residents of Hong Kong, Macau, and Taiwan are generally taxed in accordance with their physical presence in China, as follows: Foreign individuals who reside in China for less than 183 days will be taxed only on their China-source income (see the Income determination section for more information on China-source income). Foreign individuals who reside in China for 183 days or more in a tax year but not more than six consecutive years will be subject to tax on both their China-source income and their foreign-source income. However, as a concession, foreign-source income is taxed only to the extent of income paid and/or borne by a China entity or individual. Foreign individuals who reside in China for 183 days or more per year for over six consecutive years will be subject to IIT on their worldwide income from the seventh consecutive year onward if they reside in China for 183 days or more during the year. The 'six-year' count is reset if the foreign individual spends more than 30 consecutive days outside of China during any tax year. Foreign individuals who travel to China and derive income from an overseas employer with no permanent establishment in China will be tax exempt if they do not physically stay in China cumulatively for more than 90 days in a calendar year. If the individual is a tax resident of a country/region that has concluded a tax treaty/arrangement with China, the 90-day threshold is extended to 183 days during a calendar year or any 12 consecutive months, depending on the applicable tax treaty/arrangement. The following categories of income, regardless of whether the payments are made within China or not, are considered China-source income: Income derived from employment or contracted labour services performed within the territory of China. Rental income in relation to property used within the territory of China. Income derived from the transfer of real property located within China or other property transfer transactions incurred within the territory of China. Income derived through the grant of various franchises to be used within the territory of China. Interest and dividend income paid by companies, enterprises, other organisations, or resident individuals within the territory of China. The following income is also considered China-source income: Author's remuneration paid or borne by companies, enterprises, or other organisations within the territory of China. Incidental income paid or borne by companies, organisations, or resident individuals within the territory of China. Business income derived from business activities performed within the territory of China. Income from transfer of equity in a foreign entity if, at any time during the three-year period (36 consecutive calendar months) prior to the transfer, more than 50% of the fair value of the assets of the invested foreign entity is derived directly or indirectly from immovable properties located within the territory of China.
抓住层主问一下，那如果国内社保交了20多年了，然后还没到50岁的情况下：1. 可以停交然后等50岁退休再拿吗？2. 如果50岁之前加入美国国籍，是不是这些都没有了？也就是50岁不能回去拿了？感谢🙏
谢谢！ 您的是单交医保吗？还是包括养老保险？
如果医保交够了25年，还没到退休年龄，是否可以停止不交，看病的时候是否也享受医保的福利？
在国内可以办理。 https://www.nia.gov.cn/n741440/n741587/n1316094/n1355872/c1356308/content.html
原来那个保险分养老和医保。养老听说交够15年就可以停。医保原来要25年啊？但是我也是还不敢停。然后现在有点想加入国籍不知道到时候能否领？
啊，谢谢
你可以打个电话到社保局问问，或者让家人帮你问。我上次去人才调档案。去之前打了个电话，说明情况，人家找出了二十多年没管没交费的档案袋，挺负责任的。
要先办国内的退休再入籍，这是规定。
谢谢您的回答，我这几天学习了美国的医疗保险，即使要买奥巴马保险也要有主动收入，我的全是被动收入。看来是要保住现在的医疗保险才行。
回中国还买什么保险
不买保险罚款的法律不是取消了，原来medicare还有这一出
没收入或者低收入是不是可以Medicaid