MHG Offices

Fort Lauderdale, Florida, U.S.
MHG Services Inc.

1600 SE 17th Street, Suite 410
Fort Lauderdale, Florida 33316

MHGInsurance

Tel: +1 (954) 828-1819

Toll free in the US & Caribbean:

1 (877) 278-7400

Isle of Man, British Isles
MHG Ocean Benefits Ltd

21a-23 Athol Street Douglas, Isle of Man
IM1 1LB, British Isles

MHGInsurance

Tel: +44 (0) 1624 678668

Company Information

Hamburg, Germany
MHG Ocean Benefits GmbH

Van-der-Smissen-Str. 1, D-22767,
Hamburg, Germany

Tel: +49 (0) 40 3808 6718

Company Information

Australia
+61 2 8014 7477
Belgium
+32 380 80114
Bulgaria
+359 249 17331
Croatia
+385 1777 6921
Denmark
+45 773 49893
France
+33 489 61 08 71
Germany
+49 40 6755 9679
Ireland
+353 1526 2454
Isle of Man
+44 33 00270084
Italy
+39 066 220 7058
Netherlands
+31 20 890 3833
New Zealand
+64 9 442 7378
Norway
+47 215 43271
Poland
+48 222 116 764
Romania
+40 318 107 776
South Africa
+27 115 680 900
Spain
+34 91 187 8111
Sweden
+46 8 525 03489
United Kingdom
+44 33 00270084
United States
+1 954 362 9838

Quick Answers (FAQs)

I am a U.S. Crew Member working and living on a yacht registered outside the U.S. Do I have to have U.S. Health Insurance?

This is not a simple question to answer unfortunately and we would recommend speaking with one of our ACA experts to consider your individual circumstances.

The Affordable Care Act can affect all crew members, whether U.S. Citizens or not, depending on the amount of time spent in the U.S. There are many insurance options available to you that can cover you, even during your travels throughout the world. You could also choose to pay a penalty rather than purchase insurance. We can work with you to decide which is the best choice for you, and to ensure you are in compliance with all regulations.

I'm an individual living in the U.S. and I don't want to purchase health insurance. What are the penalties?

The penalties have had set increases each year since 2014.

The 2016 Penalty is $695 per adult and $347.50 per child (up to $2085 for a family) or 2.5% of family income, whichever is greater. In the future, the penalty will be adjusted for inflation. In most cases, it is more beneficial to purchase insurance than to pay the penalty.

What will happen if I don't offer insurance to my employees?

If an employer chooses not to cover employees, the penalty is a flat $2,000 per annum for each full-time employee excluding the first 30 employees. The penalty is billed monthly throughout the year.

Should I have a liability policy for my small business?

Yes! Liability policies can cover you for accidents and mishaps. It can also protect you from fraudulent claims and pay your legal fees should it come to that. The cost can be minimal, and could protect your business significantly.

Talk To A Broker!

Call +1 954 828 1819 or +44 (0) 1624 678668 to speak with a broker about your specific insurance needs or fill out this form and we will get back to you within one business day.