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Brits will still travel to countries covered by the EHIC scheme, but will no longer be covered. Additionally Europeans will still travel to the UK, but will not be covered.Instead they will have to obtain private health insurance.The UK Government will not be lowing tax as they remove this benefit, but I assume any savings will be reused within the NHS.Differences include:Fee based insurance instead of tax based, so a wealthy individual would probably not notice the difference but a poor individual would - leading to a risk that they might travel uninsured.Age and previous medical conditions likely to be assessed when you apply for insurance. This might make travel impossible for certain groups.People might not get care abroad because of the excess on private insurance and so return ill and require more expensive treatment in the UK.The old might not be able to travel to warm and sunny countries during winter due to health costs despite this being cheaper than treating them in the UK and the general health boost they receive.Private cost might increase as they would need to cover charges that the EHIC scheme covered.Private insurance might not pay at the point of charging, but need you to reclaim later. This means you might need to meet your medical bill immediately and there is the risk of the insurance company later disputing the claim and failing to reimburse you.Possible issues with the health provider recognising your insurance. The EHIC scheme is standard across the participating countries.Additional costs for UK hospitals, etc, charging for treatment and possible involvement with european insurance companies. As UK hospitals won’t refuse emergency treatment, there may be a loss of income.The EHIC system seemed like a good, sensible, low bureaucracy safety net for the benefit of all at a very low cost. I am unclear why the UK decided it was unable to continue to participate.Some comments have pointed out the need for additional travel insurance. This is indeed recommended by the NHS website however the cost of such insurance will depend on your age and existing medical conditions. While, as I understand it, someone who requires regular dialysis can arrange this using the EHIC system, private travel insurance will not cover this.I have also looked at a German Public Health Insurance website (so the equivalent of the NHS) and they also discuss using EHIC for travel. They do also recommend additional travel insurance but only to cover those things not covered by the EHIC scheme, such a medical repatriation and even have a deal with a travel insurance company to provide this additional cover at a special rate. A German suggested this additional insurance costs €10 a year. I cannot confirm as insurance costs are not public but require a quote.In the UK the Government is very keen that you take out full travel insurance so rendering the EHIC unnecessary. I assume the reason is that they can then avoid claims on the the NHS by people who could have used the EHIC. A solution might be to charge a suitable fee for the EHIC and for the NHS to have a set of travel insurance companies offering special deals to those who hold and will claim via EHIC first. If you want to go private, you can always still take out full travel insurance.Edit 25/12/2020: The EHIC system might survive in some form, see Andrew Cox's answer to Will British travellers be able to use European Health insurance Card (EHIC) in Europe after the 1st of January? Has there been an agreement about this on the Brexit deal?Edit 2/1/2021: Added text about also buying Travel InsuranceEdit 22/2/2021: Here is the link to the new Global Health Insurance Card, which currently does not cover EEA and Switzerland, but probably will once negotiations are complete.

Health insurance is not cheap, and it can be tempting to go without coverage, especially if you never get sick. With the expensive monthly cost and out-of-pocket expenses, you may be wondering how much you really need coverage.Many people in their 20s may feel they are healthy enough to skip out on health insurance. When you rarely see a doctor, and especially if things are tight financially, it may seem like a good idea to cut the health insurance expense completely from your budget.You can pay for medical expenses as you go instead of worrying about the insurance premiums and co-payments on the way. However, this could be very difficult if you have a serious illness, an accident, or an ongoing health issue because the costs can become very large, very quickly.This is why it's essential for everyone to always have some form of health insurance quotes. Medical emergencies are very expensive.If you have the misfortune of undergoing a medical emergency without insurance, it is easy to find yourself with a crippling amount of medical debt, and seemingly no way out of the mess.If you take good, preventative care of your health, it's hard to see why you'd really need insurance. However, missing that last stair at home and dislocating an ankle, or having an accident on the ski slope and breaking an arm could cause an injury that costs you thousands of dollars in medical bills.And it can quickly climb higher if you need surgery or any kind of ongoing rehabilitation. Emergency surgeries such as an appendectomy can be very expensive as well.You may not be able to work while you're laid up, and that means that you could lose out on pay as well. Even with insurance, you may find it difficult to pay for health care costs in these instances.

Quoting IRS instructions:Every person that provides minimum essential coverage to an individual during a calendar year must file an information return reporting the coverage. Filers will use Form 1094-B (transmittal) to submit Forms 1095-B (returns).Health insurance issuers and carriers must file Form 1095-B for most health insurance coverage, including individual market coverage and insured coverage sponsored by employers.(Instructions for Forms 1094-B and 1095-B (2015))For people in government-run programs such as Medicare, Medicaid, or CHIP, the relevant government agency reports the coverage to the IRS. So, basically, if you have insurance the government knows about it.As to whether the IRS knows about it before you submit your return, that may be a matter of timing. Almost all insurers file electronically, which gives them a filing deadline of March 31. So, you could wind up filing your 1040 before the insurer files your 1095-B.