For many Canadian retirees, that yearly migration to Florida or Arizona during the colder months used to come with a simple checklist: close up the house, buy travel insurance and hit the road.
This winter, the list is a tad longer. If you stay in the U.S. for 30 days or more, Washington expects you to be registered. Moreover, if you spend too many days south of the border, the Internal Revenue Service (IRS) may treat you like a U.S. taxpayer. And if you stay outside Canada too long, your provincial health plan could lapse.
Each rule runs on its own clock and carries a separate penalty. Knowing which forms apply to you and when can be the difference between a winter respite and a pile of headache-inducing paperwork when you return home.
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Additionally, the Government of Canada’s travel advice for the United States cautions that individual U.S. border agents often have significant discretion over who gets in, authorities strictly enforce entry requirements and travellers who are denied entry could be detained while awaiting deportation.
Do you need to register with the U.S. government?
Most likely, if your stay lasts 30 days or more. The U.S. Department of Homeland Security (DHS), the federal agency responsible for border security and immigration, finalized its alien registration rule effective June 29, 2026, building on an interim version that took effect in April 2025.
There is a large swath of snowbirds who are already registered and may not know it. Most Canadians who fly in are automatically issued an electronic Form I-94 arrival record, which counts as registration. However, those who drive across a land border generally aren’t issued one. After you arrive, you can check the I-94 website run by U.S. Customs and Border Protection (CBP).
If no record appears for your most recent entry, you’ll need to file Form G-325R online via U.S. Citizenship and Immigration Services (USCIS). You must file after you enter the country and before the 30-day mark. Thankfully, there’s no fee, and Canadians who register this way don’t need to be fingerprinted.
For trusted travellers, the U.S. has added admission through NEXUS, SENTRI, FAST or Global Entry processing to the list of documents that count as evidence of registration. However, owning a NEXUS card isn’t enough on its own — you must have used it at a NEXUS lane or kiosk during your most recent entry.
Skipping this step can be risky. Under the federal rule, willfully failing to register can bring a fine of up to US$5,000, up to six months in jail or both. Separately, registered visitors 18 and older must carry proof at all times; failing to do so can bring a fine of up to US$5,000, 30 days in jail or both.
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Could a long winter stay trigger a U.S. tax bill?
Registration is an immigration rule. Taxes are a separate matter.
The IRS uses a substantial presence test to determine whether someone is treated as a U.S. tax resident. You meet the test if you were in the country at least 31 days this year, and at least 183 days over three years, which counts all of this year’s days, one-third of last year’s and one-sixth of the year before that.
That math catches more people than you might expect. In the IRS’s own example, someone who spends 120 days a year in the U.S. for three straight years totals 180 days, which is just three days shy of the threshold.
Meeting the test doesn’t settle the matter, though. You can claim the ”closer connection” exception by filing Form 8840 if you meet all of the following conditions: you were in the U.S. fewer than 183 days this year, your tax home was in Canada for the entire year, you had a closer connection to Canada than to the U.S. and you haven’t applied for a green card or taken other steps toward U.S. permanent residence. You must file the form on time, or you lose the ability to claim the exception.
Snowbirds should also stay current on their U.S. filings, Kim Moody, CEO of Moodys Tax in Calgary, told BNN Bloomberg.
Overstaying is a separate risk. “If you spend too much time in the States without proper immigration status, you’re considered to be an illegal alien,” Moody said.
The penalties are steep: a three-year bar on re-entry after more than 180 days of unlawful presence, or a 10-year bar after a year or more. Both take effect once you leave the U.S.
What does the IRS already know about you?
Form 8840 keeps you out of the U.S. tax net, but it comes at a cost to your privacy. To prove your ties to Canada, the form asks about your permanent home, family, which country issued your driver’s licence, where you’re registered to vote and which organizations you belong to.
Your banking data could cross the border, too. Under a 2014 agreement tied to the U.S. Foreign Account Tax Compliance Act (FATCA), Canadian banks report accounts held by “U.S. persons” to the Canada Revenue Agency (CRA), which shares that information with the IRS once a year. According to BMO, that label isn’t limited to U.S. citizens but includes people who spend considerable time in America, with banks analyzing details such as your address to decide. Snowbirds with a U.S. mailing address may be asked to confirm they aren’t U.S. tax residents.
Daniel Therrien, then Canada’s privacy commissioner, told a parliamentary committee in 2016 the reporting rules shouldn’t be applied too broadly. As recently as 2021, his office said it had consistently recommended that the CRA notify people when their data goes to the IRS. To know whether your account information was shared, you can ask the CRA in writing.
How long can you be away before losing provincial health coverage?
Your health plan runs on a third clock, set by your province. For example, Ontario residents who have lived in the province for more than six months can be away up to 212 days in any 12-month period and keep their Ontario Health Insurance Plan (OHIP) coverage. Each province sets its own limits, so check which one applies to you.
Even with valid coverage, OHIP pays only very limited amounts for hospital and physician services outside Canada, which makes private travel medical insurance essential when leaving the country, regardless of the duration.
What to do now
- Cross using NEXUS if you have it, since it now counts as registration
- Check your I-94 within a few days of arriving. If there’s no record, file Form G-325R, print your proof and carry it with you
- Track your days in the U.S. (for the IRS) and outside Canada (for your health plan)
- File Form 8840 if your weighted day count reaches 183 or more and you meet the closer connection conditions. The deadline is generally June 15 for those without U.S. wages.
- Confirm your province’s absence limit and purchase travel medical insurance that covers your entire stay
- Travel with less personal data on your phone and laptop in case border agents check them
- Talk to a cross-border tax professional if you own U.S. property or aren’t sure where you stand
None of these steps requires much beyond your time — the bigger cost comes from skipping them.
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Writer and editor based in Toronto with experience in personal finance, insurance, arts and culture and branded content.
