Health insurance for new immigrants
I get a number of people asking about health insurance options for when they arrive in the USA. As described in this post, healthcare in the USA is expensive. Very expensive. A friend of mine in the UK came to the USA on a business trip and found that his UK based travel insurance did not come close to covering the enormous bills he received after a health incident in the USA.
As a new immigrant everyone is expected to obtain health coverage that meets the standards of the “affordable healthcare act” (ACA). However, for many, there is a period of time during an activation trip or even the first few months where they have not started ACA insurance and would not want that high expense for a short period of time.
However, most travel insurance policies either have limits that are too low, or could deny coverage if you have taken residence in the USA. The coverage is designed for short trips.
So, over the last few months I have been investigating options for new immigrants. There are not many options, but happily I have found one company that I feel I can recommend. Their rates are very fair, and the coverage is suitable for new immigrants. They allow you to pick a coverage level from $50,000 to $1 Million. These numbers might sound crazy, but you would be amazed at the bills that can come from a health incident (my friend was billed around $250,000).
So if you are interested in obtaining coverage click one of the banners on this page or click here Visitors Insurance . The policies are good value, and as I am a referrer, taking one of their policies helps support this site. Once there click the tab near the top of the page that says Green Card Health Insurance, and choose immigrants insurance. That will make sure you are looking at plans appropriate for you as a new immigrant.
I recommend setting the coverage rate at a sensible level (don’t go too low). Remember the idea is to protect your financial position from the huge and unexpected bills that can come from a simple accident or something of that nature.
I hope that helps!
July 10, 2015 at 23:23
Link is broken.
July 10, 2015 at 23:44
Thanks! Fixed it!
July 12, 2015 at 13:07
Thnx for ur constent help for the dvfamilly and we owe u alot abt that bro but i ask for u if also study the chances of education of Dv immigrants in US to send me the link plz thnx in advance bro
July 12, 2015 at 14:06
Its best to use Google to search for what you need.
July 12, 2015 at 14:21
July 13, 2015 at 12:04
Thanks Britsimon, however all of them are not ACA-compliant coverages, means if someone will go beyond of 2 months having this insurance or no insurance at all, they are subject to ACA-penalties on their 1040 tax forms.
July 13, 2015 at 18:37
Yes understood. These are designed for temporary cover. aCA policies are more difficult to set up and much more expensive. So in some cases these policies will be ok.
May 19, 2016 at 07:33
my parents are about to activate their LPR, then they will go back to their country to sort things out for about 12 months. Will being abroad while holding the green card be a reason for an exemption from the penalty for not having an insurance policy that meets the ACA requirements? Or will they have to pay the penalty when tax time comes?
May 19, 2016 at 13:32
They will not pay the penalty.
May 20, 2016 at 06:44
thanks! By the way, I would love to have your opinion on a few other questions if you don’t mind.
(1) Is it a myth or is it true that with a green card obtained via the DV-lottery one can spend most of the first year in their home country to fix things up before they leave for good? Other versions of this rumour that I’ve seen circulating go as far as stating that it’s perfectly OK to be out of the US for most of the first two years.
(2) If the initial trip to activate the green card is short and one spends less than 35 days of the first fiscal year in the US they don’t have to file taxes for that fiscal year. Does it hold true for the state taxes as well? I would guess so, since once cannot file state taxes without filing federal taxes.
(3) Does the initial trip somehow “risk” to pick a state of residence, i.e. by declaring to the immigration officer at the point of entry the address to which to send one’s SSN card?
May 20, 2016 at 14:20
1. That is not accurate. Read the FAQ.
July 21, 2015 at 11:57
You spent a months to prepare these topic .nothing to say except great job BritSimon
July 21, 2015 at 12:18
July 28, 2015 at 06:33
I am the winner of the DV 2015 AND I will enter the US IN DEC 2015 inshallah with my family , and my wife is pregnant last month in this time , is there a way to cover birth costs through insurance and I read about medcare ?
July 28, 2015 at 06:51
Firstly, I think you might not be able to travel so late in the pregnancy – it will be up to the airline.
Next, you might be able to get some help through Medicare, but you need to be careful of accessing public assistance programs. The other thing you could do is take an ACA healthcare plan – but it will take a few weeks to arrange coverage.
July 28, 2015 at 21:18
Thanks sir , what you mean by ( you need to be careful of accessing public assistance programs) ….also Is there a free care for pregnant women in the last month , Because if she born in Saudi Arabia, I can not issued a passport for a bee baby for less than a 10 monthe before due to the circumstances of the war in my country Syria and i will lose the 6 month visa time … and in the same time we can’t travails to usa 1st time fir more than 4-6 week maximum due to my job in Saudi Arabia … so what do you recommend for me in this case?
July 28, 2015 at 21:23
USA has very expensive healthcare. I would not normally recommend someone to come here knowing they were going to immediately need medical care.
The public charge requirements of the DV lottery mean you are not supposed to see certain types of public assistance. You need to investigate what is available in the state you would plan to move to.
September 5, 2015 at 04:32
Hello: I was wondering how long it takes for a new immigrant to obtain an affordable health plan from the marketplace during the special enrollment period which is open to people who meet the criteria. Thank you.
September 5, 2015 at 06:11
A new immigrant can enroll immediately – but in practice that might take a few weeks.
October 17, 2015 at 01:51
How does one enrol immediately?
October 17, 2015 at 02:31
For ACA plans you can go through healthcare.gov.
January 20, 2016 at 14:46
Thank you for the information provided. I hope you can clarify some doubts that I still have after reading your post and checking the healthcare.gov site. If I am a new immigrant and I do not have a job (because I am just arriving to USA) can I apply for an ACA plan? or should I wait until have a job to apply? For the ACA plan in the healthcare.gov site, I have to declare the household income, but if I am just arriving and I do not have an income, am I not elegible for taking the plan?
I really appreciate your comments, I don´t want to take any risk.
January 20, 2016 at 18:12
You can in theory start ACA immediately. However, many jobs come with healthcare plans so depending on the type of work you will be doing you might want to wait to see if you take that sort of a job. Starting ACA for a short period of time would be pointless. That is the beauty of the short term new immigrant plans I mention above – although they are not a long term solution.
January 21, 2016 at 14:38
Brit thank you so much for your advice. Your experience is really helpful for us.
September 10, 2016 at 06:50
I and my wife are new immigrants (DVs) to us. My wife is pregnant. I think that we will get green card before one month of her delivery. Which kind of insurance should I have to cover giving birth? ( we do not want to be pubic charge).
September 10, 2016 at 22:22
If you do not get a health plan from an employer, I would recommend you obtain a good health plan from healthcare.gov. You can get subsidy if on a low income, but you will need a good level of coverage since you know you will have medical expenses. Check the policies carefully to understand what expenses you will still have to cover. A more expensive plan will be a better option since you know you will need to use the plan.
January 4, 2017 at 17:16
We are arrived here in USA on last October, we applied for obama care but monthly payment is little high around 250 USD for me and my husband. I checked above health coverage which is much cheaper than what Obama care offers. So is it fine to apply above health plan instead of obama ??
January 4, 2017 at 17:20
The health coverage above is fine for temporary periods (activation trips, the period of arrival to finding a job and so on). However it is NOT a long term replacement for Obamacare. It is not a qualifying plan, so you are liable to being fined for not having an Obamacare policy. So – take the $250 per month option – that is not expensive at all!
January 19, 2017 at 16:03
Hi Simon! We have our green cards but have not arrived to USA yet. Planing to do so in Feb. We have 2 small children, one of them tends to get very sick often,and I have light asthma, so we need a reliable and good coverage from day 1. A few questions:
1. Are the Obama Care plans available at healthcare.gov good/realiable options that will respond in any given situation? Are they as good as private insurance policies?
2. Since we have not arrived, we don’t have jobs or proper income. But we do have some investments in stock/shares etc. How do we estimate the income to see if we qualify to apply to this plans? We have never paid taxes as permanent residents, and will be unemployed for a while once we arrive. I see that they request the income information to apply for the plans.
3. Even if I declare my asthma will the insurance cover the costs? It is sporadic, but I do have the condition, don’t know how to proceed in this sense.
4. What happens if we do not apply by Jan 31st? do we loose the chance?
January 19, 2017 at 16:42
1. Obamacare (ACA) plans ARE private insurance policies. Healthcare.gov is a way of giving access to the offerings of private companies in your state. Obamacare is a law that requires all qualifying health plans to meet certain minimum standards, and that all residents must have a qualifying health plan.
2. That day 1 decision is always tricky. That is why a temporary plans represent a good idea for the first month or two. Healthcare is often included as a benefit for most jobs. So – if you sign up for a plan on day 1 (and that would be hard to do in practice) you will most likely cancel that plan a month or two later. In reality you probably won’t get coverage for the first few weeks anyway because of the process to sign up. So – consider a temporary plan to cover major expenses. A simple hospital visit can cost thousands.
3. One of the requirements of Obamacare is that qualifying plans cannot deny cover for pre-existing conditions. So – that type of policy will cover you.
4. No. Your immigration is considered a “life event” that means you have a good reason to start the coverage midway through the year.
January 19, 2017 at 16:45
By the way, insurance here does not cover all the costs. You have certain costs yourself – and a lower price insurance plan (such as a bronze level) means those costs are higher than the higher level plans. So – you have to decide whether to pay a higher monthly premium for a better plan or try and save money on the plan premiums but then pay more every time you need to see a doctor, get a prescription or so on. To people from countries with good free healthcare, the USA healthcare experience is frustrating.
February 18, 2017 at 01:31
Hi and apologies if you’ve answered this elsewhere. I’m about to take a two week diversity visa activation trip before returning home to sort things out before the big move at the end of the year. I see that these options would cover health insurance for diversity visa holders. But what would I do in terms of the other things that a travel insurance policy would normally cover? For instance, we’d like to hire a car so would want rental vehicle excess in our travel insurance (given rental companies rip you off for this otherwise), and other things like lost luggage or cancelled travel plans. Should I also get a travel insurance policy from my home country to cover these things, or is that also problematic on a diversity visa?
February 18, 2017 at 02:10
You need to check the terms on any policies you take. That is beyond what I can help with…
October 12, 2019 at 20:22
Hi brit my interview will be at 1 novembre does health insurance effet on me ?
October 12, 2019 at 20:34
I don’t know.
March 24, 2017 at 22:38
Hi Simon. Long time reader first time writer. Firstly thankyou for all your hard work. Your advice has been incredibly helpful to me and I’m sure everyone who is lucky enough to stumble on this site.
Mate I arrived in the US last week to activate my Greencard and Next week I will be heading overseas for 4 months work. I am just wondering whether I will be penalized at tax time if I don’t sign up to a healthcare bill before I go (which seems crazy as I will be out of the country) ?
All the best and keep up the good work!
March 24, 2017 at 22:55
No you wouldn’t be penalized. They accept your setting of the start of residence – they don’t base it on activation.
November 22, 2017 at 11:17
I’m in a similar situation and I’m also interested in these penalties.
I entered the US in September for 2 weeks, then departed for my home country for about 4 months. I’m going to arrive in the US end of January, and will have employer-subsidised health insurance starting February.
As far as I know, ACA is counted by year. I think that for most of 2017 my excuse is that I, as a national of foreign country, was a bona fide resident of that country for over 330 days of the calendar year.
For January 2018, though, this excuse doesn’t seem to apply as the counter is reset – and I’ll have to pay the fine for being uninsured for 1 month. Is this right?
I’m operating on the assumption that despite I’m not physically residing in the US at the moment, I am an LPR and I maintain a mailing address in NJ, so from USCIS perspective I may as well look like a resident of NJ.
November 22, 2017 at 14:55
I don’t think ou would pay – but it’s a small amount anyway, so don’t worry about it.
April 3, 2017 at 15:11
Hi Simon I’m new comer dv lottery 2017 Winer and now I’m very sick I’m not received ssn . Only 3 weeks since I come USA . Please advice me is there Any health service for me
April 3, 2017 at 15:32
Healthcare in the USA is paid for by the patient. So, most people have insurance to cover the costs. As you can read on the link above there are options for insurance policies for short term cover although ACA plans are required in the longer term.
September 12, 2017 at 11:27
Hi Simon, it’s three months out from my relocation so I thought I would start looking at what I need insurance wise before I secure a job in the US. I went to the website you provided, however all of the policy options for green card holders are not available in New York, which is where I plan on moving to. Are you aware of any companies that have policies covering New York? Thank you, Nicole Brettle.
September 12, 2017 at 12:54
I don’t know of other options – what I linked to has most options that are available. The other option is an ACA plan.
November 8, 2017 at 06:35
Hi Nicole, we are moving to New York in 3 weeks and still are struggling to find insurance options. Did you have any luck? Can you share your insights?
November 9, 2017 at 15:04
Hi Thomas, unfortunately we’re both in the same boat. I have no idea how to get interim health insurance in New York… Every site I’ve been to doesn’t cover New York or only covers travel and not immigration… ‘ll keep looking and let you know if I have any success.
November 9, 2017 at 15:18
November 13, 2017 at 12:29
Nicole & Thomas, in same situation as you with move to NYC in early 18. Any updates on your search for insurance.
November 24, 2017 at 08:48
So I typed “expat insurance new york” into Google and a couple of options came up. Cignal which appear to be a UK company d expat insurance which seems to include the US as a whole and doesn’t exclude NY. Also, IMG. With IMG you want to look into ‘global medical insurance’. I don’t know your age etc, but with IMG I was quoted $112.80 for bronze cover with $250 deductible. Gold is $184.80 with a $250 deductible, and platinum is $661 with $250. All per month with a year plan. Cignal quote was more expensive but I’ll have to print out and compare what they offer to see whether they offer more. There were a few other options listed on Google for that search criteria, so hopefully those of us in NY can find something. World nomads was also mentioned to me as an option, but I’d be concerned that’s for travel to and not residing in the US, so the cover may get iffy. Good luck!
November 24, 2017 at 14:44
For those of you that are making the move – just take an ACA plan as soon as possible after arrival. The ONLY people who have any complication are those that plan to be in the USA for a short time only. Otherwise, start an ACA plan and cancel when you get work provided insurance.
October 18, 2017 at 08:29
Hi Simon, I was looking for a health insurance plan, Inbound USA cannot accept an address in NY, it mean doesn’t cover New York or just provide an address from different state and you’re OK? My official address will be in MI but i will stay for awhile in New York state.
October 18, 2017 at 13:02
Check the terms of the policy to see if you are covered outside the home state.
December 4, 2017 at 20:36
Dear Brit, I and my wife are new immigrants to Los Angeles, California (DV2018) and just arrived 5 days ago.
My wife is pregnant in her 31 week!
We are trying to get medical help to her as she need it. Everyone here is saying that we are eligible for MediCAL coverage (ZERO income), but it would take up to TWO weeks for us to get the coverage!!
We need to get help shortly. A friend suggested to go to a hospital ER and they will start an emergency coverage MediCAL for her on the spot…Is that true?
If not, what can I do to get help FAST?
Thanks a lot for the great help you give here
December 4, 2017 at 20:39
I don’t know what options are available “on the spot”. 2 weeks is not slow. If you are facing an emergency situation that is exactly why I suggest having some insurance in place ahead of time.
December 29, 2017 at 19:40
Hope you are doing well, I need ur help regarding health insurance, and sorry if you have answered this before anywhere and I didn’t saw it.
1- I will travel to the states by march for living there permanently, should I pick ACA since I am eligible to enroll as i became a LPR.
2- I need to include my expected income for 2018 when filling the application or when getting quotes, as a new immigrant i have no income, but im thinking to use minimum wage multiply official work hours from March to December , is this right way to do it?
3- My expected income would allow me to get subsidy , would this type of assistant affect my status or my future steps towards citizenship since we should not become a puplic charge.
4- can i apply for ACA before traveling since it is going to take few weeks to get insurance active.
Thanks a lot
December 29, 2017 at 19:56
1. You need to decide based on your plans. I can’t decide for you.
2. No, you don’t predict your income.
3. No, but make sure you follow the terms of the plan such as informing them if your income changes.
December 29, 2017 at 20:19
Thanks a lot for your feedback,
#1 , as I’ve understood it is not optional to have no insurance once you are an LPR ,so i need to get that ACA or something better as a private insurance, am i understanding things the right way?
#2 , if I don’t predict income nor having one, what should i do ? Put zero income?
Appreciate your help sir
December 29, 2017 at 20:51
1. Yes – which is why I created the post above. I personally believe a period of temporary insurance is wisest, as many jobs will have insurance coverage.
2. Whatever is real.
December 29, 2017 at 21:51
Many thanks sir!
Your effort is highly appreciated
January 30, 2018 at 23:20
Hi BritSimon, having reviewed the policies, it looks as though existing pregnancy isn’t covered. Do you know of any options for pregnant new immigrants for the period after arrival before health insurance can be arranged? We are emigrating from the UK to California. Many thanks
January 31, 2018 at 02:23
The best thing to do is get on Obamacare as fast as possible. That means you might be not covered for a few weeks, so don’t come if you are 8 months pregnant. Childbirth here is expensive, so get a good level of coverage. In California, you’ll find Kaiser feels almost NHS-like. You register with a set doctor, but will often by seen by a duty doctor. The out of pocket costs with Kaiser can be quite low. Blue shield is typically more expensive, but you get a more personal service.
February 1, 2018 at 14:32
When it comes to insurance, if you listed a sponsor during the lottery process, do you need to provide your sponsors income or does that not apply? I am a student and not working yet.
February 1, 2018 at 14:53
Nothing to do with insurance.
February 1, 2018 at 17:58
You’re page has been extremely helpful, thanks for prompt response. One last question…for my fafsa and school loans, do I have to put my sponsors income on it? Or just my own information as a no income student? I appreciate your time so much
February 1, 2018 at 18:21
Let me say this another way. Your sponsor was related to your DV process. Just that. Nothing more.
April 27, 2018 at 08:37
Hey Brit , Could you gave me any advise about my case. Me and my wife will go to USA in May. I already set up temporary job and they will hire me for 3-4 moths, and then if we match with the employer probably they will hire me for year round position and give me some insurance. But till then we will not be qualified for company insurance policy. What is the best option, according to you ?
April 27, 2018 at 13:57
August 26, 2018 at 21:48
Me and my wife inter US before 1 and half month we have two kids they start school last week
we still dont have insurace coverage and the kids school ask us about kids health insurace and we told them that they dont have and they are willing to arraenge them free health insurance.
dose it have negetive impact if we accept thier free coverage and if i buy ACA for me and my wife
pls also note that we still did not get job.
August 26, 2018 at 22:56
I cannot advise you exactly – you have to make your own decision – but I would say two things.
1. There are some political changes being discussed that mean people who use public assistance programs would have problems getting citizenship. These are ONLY proposals – but it should be considered.
2. You are not supposed to become a public charge in any way. That was part of your DV interview – so why do you not have this taken care of already?
September 6, 2018 at 04:12
it has been 1
and half month since we arrive in US, when we ask to have health insurance obama care they told us the registration starts on December do you have any idea about it, i mean is there any way that to have ACA plan now?
September 6, 2018 at 04:55
Yes you can start now. Arriving in the country is a “life event” and that should qualify you for “special enrollment”. The people you speak to on the phone may not understand that.
September 6, 2018 at 04:56
By the way, Do this immediately as you have to enroll within 60 days of the life event.
September 15, 2018 at 03:04
Thank you Brithsimon !!! today i enrolled to affordable health care act am so glad finally i found the right person help me to enroll .Am in Colorado and those of who are planning to settle in Colorado you have to register in Connect for health Colorado. since i have no job the 90%
the cost will be covered by the state .
September 20, 2018 at 17:58
Hi Britsmon, Thank you for your continued support:
I have the impression that these temporary plans are not meant for those who have settled in the US and are eligible for ACA coverage. I am not sure about other States, but if you take MA, a green cardholder is eligible for ACA, which makes her ineligible for the temporary health plan.
The plans do mention that they are for those who do not qualify for domestic health insurance or ACA. In some parts the plan ask that you do not put your US address as your residency, to qualify for their coverage.
Am I missing a detail?
September 20, 2018 at 18:27
The rules vary by state, and people’s plans are different. These plans are indeed temporary plans designed for cases where an ACA plan may not be the best solution. Hence the following statement from the article.
“As a new immigrant everyone is expected to obtain health coverage that meets the standards of the “affordable healthcare act” (ACA). However, for many, there is a period of time during an activation trip or even the first few months where they have not started ACA insurance and would not want that high expense for a short period of time.”
September 20, 2018 at 19:02
Thanks BritSimon for your feedback.
Follow-up: I called the Healthconnector/ACA. They told me that as long as I didn’t receive the greencard in the mail I am not eligible for ACA. in addition to the A# (which I have) they actually need another number in the back of the card (which I don’t have).
September 20, 2018 at 19:34
That is nonsense. You have the I-551 as proof you are an LPR – they don’t need to see the actual GC.
December 14, 2018 at 23:20
I activated my green card together with my wife in may 2018 and since than we live in New Jersey. Until now we were using travel insurance. Now we would like to apply for coverage for 2019 through healthcare.org. The deadline is tomorrow Dec 15. We both work in New York City and commute from New Jersey every day. The problem is that we are planning to move to New York in March 2019. Would you recommend apply now for NJ state health coverage or rather wait till we move to New York and apply in March 2019?
December 15, 2018 at 04:18
I recommend you stop procrastinating!!!!
Make a decision based on TODAY.
February 15, 2019 at 07:12
I am trying to grab a plan via your link and on the processing page it keeps looping back to the start. Any ideas on how to fix it (tried different browsers etc) maybe the website is just having a bad day.
February 15, 2019 at 14:41
Click this :
Go to “insurance for immigrants”
Should work from there.
March 4, 2019 at 01:01
Thank you very much for your hard work looking for this info!
I checked 2 kind of insurances “immigrate insurance” in the link: 1)Travel insurance and 2) health short term insurance. I´m not sure which of the are you recommending.
In my case, I activated the GC in Dec 2017 and stayed for a month. Then I came back to US in Oct 2018 to a different city for 2 months and I´m coming back now again to this second city.
I wonder which of this ones ( 1)Travel insurance or 2) health short term insurance listed in the “immigrate insurance” link) I should buy this time while I find a job in US.
I found Liason Travel Elite listed there has a good coverage and it states in Faq: is available for:
1) any non-US citizen or resident, visiting the USA, and any other country, outside their home country for a short period of time.
It is available for US citizens traveling outside the USA, and any other country that they might be permanently living in
2) It is also available for US Green card holders, who live abroad, but come back to the USA for short trips.
3)The plan is available for a minimum of 5 days and a maximum of up to 364 days at a time.
4) It is not available for US citizens, US Green Card Holders or long term visa holders, who stay in the USA permanently, and pay taxes in the USA.
March 4, 2019 at 04:17
So that policy sounds wrong (point 4).
March 4, 2019 at 16:41
Thank you very much! So, I guess I’ll have to go for short term insurances as all the travel listed there have 4).
Please, when you said the insurance policies in the website whose “rates are very fair, and the coverage is suitable for new immigrants” you only meant the travel insurance policies covered there or also the 3 short-term health insurance policies?
Thank you very much again,
March 4, 2019 at 17:18
Look for new immigrant policies.
July 10, 2019 at 13:24
The link that you suggested for an insurance company for new immigrants/GC winners… will it cover the expenses if i give birth in the USA ? (As a dv lottery green card holder) ???
July 10, 2019 at 21:37
That would vary by the policy you choose – but since you KNOW you will need coverage I suggest you immediately take an ACA plan (Healthcare.gov)
July 26, 2019 at 12:02
Hi Brit, but for immigrants, is there only the “Inbound Immigrant” plan? has Limited Coverage whit maximum 130k per incident. Do you recommend it? thanks for your work!
July 27, 2019 at 03:46
It’s a good temporary plan – but make sure you understand the limitations.
October 6, 2019 at 11:15
Sorry if my question is a bit stupid and unreasonable and i understand your pretty busy nowadays with your own work …so my question was if I buy any if the health insurance policies from the visitor insurance link I will be safe from the new trump proclamation???
October 6, 2019 at 16:05
Possibly, but I recommend you wait until we have more information.
October 8, 2019 at 04:59
Hello, I am trying to clarify what the possible ramifications of these proposals would mean for my adjustment of status application. We filed our application in May, 2019 and an RFE was sent to us last month, which my spouse and I believe was unnecessary and perhaps a stalling tactic. Nonetheless we responded a few days later furnishing them with the same documents we previously provided but were still requested. My question is does the new Proposals affect already filed i485 applications that are being processed ?
October 8, 2019 at 05:22
I only answer DV lottery questions.
October 14, 2019 at 10:06
Same Questions i have interview in 1 novermbre i dont now if the propossed will be applicable for me to ?
October 14, 2019 at 17:48
October 22, 2019 at 13:11
Thank you so much BritSimonSays.com for this tremendous blog. It has so many usfal information some which I’ve searching for. Well done Simon! God bless you.
October 22, 2019 at 23:52
Glad it helps.
October 26, 2019 at 13:37
Hello Mr. Simon!
Thanks for your prompt updates regarding the changes in requirements of the DV Lottery Program which really helps us all applicants. I am awaiting my interview and currently worried about the health insurance. I am from Nepal and I really don’t want my VISA to be denied just because I don’t have a health insurance plan. I have an uncle of mine in the US who is sponsoring me. Can he include me in his insurance plan? If yes, will that be enough proof to assure the consular officer or would I be needed to provide additional documents. Further, if he can’t include me in his insurance plan what possible ways do I have to buy a travel insurance while being in Nepal keeping in mind that I don’t have a Master Card for making payments online and paying online isn’t easily available in Nepal. However, if I happen to buy me a global travel insurance while in Nepal from a local agency, will that be valid while traveling in the US? Additionally, please let me know if I have to have the insurance documents ready before my VISA interview(after Nov 3) completely or I have the option of assuring the consular office that I shall buy an insurance before or right after I get to the US? Thanks in advance!
October 26, 2019 at 13:42
Please consider corrections at the following places:
line 11 and 14- that’s health insurance and not travel insurance
October 26, 2019 at 20:40
I will be published an article about this shortly.
October 26, 2019 at 15:15
My interview is next mounth, my question is should i buy the health insurance policies from some american company ?
October 26, 2019 at 21:31
No. I’ll be publishing info about that very soon.
November 28, 2019 at 16:39
Hi Birt, since i arrived the US as permanent resident, i was looking around for the question if i get insurance plan from Obamacare this will affect me and my family at the time to request the citizenship. I ask that because there are some new guidelines in the government. I know that some kind of help like stamp foods will affect, but i would like to be a littler clear with the insurance.
November 28, 2019 at 16:44
Taking Obamacare (ACA) is no problem.
December 14, 2019 at 15:15
I am a new immigrant leaving in Santa Clara CA and I am looking for short term insurance before getting a job.
I cliked your link: https://www.visitorscoverage.com/short-term-health-insurance-plans/
It showed 3 possible plans but none of them seems working for my zipcode ( “No products available” ) Am I missing something?
Thank you for your help.
December 14, 2019 at 15:46
Click the link for immigrant insurance.
December 18, 2019 at 14:45
1- Within visitorscoverage .com website, in the Immigrant section, I got different Plans: Inbound Immigrant(130K Max Coverage) and / Patriot America / Patriot America Plus / Diplomat America / Liaison Travel Economy / Liaison Travel Choice / and Liaison Travel Elite. Are the new immigrants elligilbe for all these plans? or only the “Inbound Immigrant”?
2- if we take 2 months plan, and we renew each 2 months until we get a job, will this be acceptable without issues with insurance company: visitorscoverage .com ?
December 18, 2019 at 15:08
I am not an expert on these plans. Please read the information carefully, and if you still have questions, ask Visitorscoverage.
January 29, 2020 at 01:45
Hi Brit, looking at this nowadays, the suggestions it made (Safe Travels USA, Diplomat America) DO NOT cover Green Card holders. Just FYI. I punched in that I was staying for a year with my spouse.
January 29, 2020 at 05:11
You need to select “Immigrant plans” under “select Insurance”.
January 29, 2020 at 05:24
Oh dear. You did say that in your instructions… clearly I need to actually read them first! Sorry and thank you, this site has been such a great resource!
April 19, 2020 at 11:23
I am quite lost about the difference between Visitors Coverage and Healthcare Coverage as earlier mentioned in one of your Youtube videos. Please correct me if my understanding is not correct on below.
1) Visitors Coverage – designed for new immigrants prior to their entry in USA
2) Healthcare Coverage designed for Green holders after their entry in USA
Separatey, after watching a few different Youtube videos, I don’t quite get what they keep talking about “deductible” term and how the bills work like. Do you have any link of clear explanation on it?
While preparing for my DS-5540 application, I am still researching for reliable immigrant health insurance (probably for 6 months before having my name under my US husband’s current health insurance). For this reason, his enrollment will open in Dec 2020. Do you think that it is safe to buy comprehensive plan for 6 months starting in Oct 2020 in view of evolving COVID-19 situation?
Appreciate your advice on my above queries and thank you so much.
April 19, 2020 at 12:22
No your understanding is incorrect. Visitors coverage policies for new immigrants are intended as a bridge for the first few months. ACA plans (full healthcare) is a full blown plan. If your husband has a policy the best thing to do would be to add you – which he may be able to do prior to the open enrollment period (depending on your circumstances).
April 19, 2020 at 14:59
Ok. I will get him to check with his insurance agent. If not, may I ask how many month a consular officer in my home country is interested in my short-term immigrant health insurance if purchased?
April 19, 2020 at 15:18
They are not concerned with that since that rule is still blocked.
April 19, 2020 at 16:05
Can you please clarify “the rule is still blocked”?
April 19, 2020 at 18:33
Please click the link above for the archive. Read some of the articles about the healthcare requirement.
April 26, 2021 at 15:57
Sorry Mr Simon, I’m not understanding very well. Can we -new inmigrants with GC- apply for Obama Care? and where/how?
April 27, 2021 at 18:54
Yes – Healthcare.gov
April 27, 2021 at 21:31
hi Brit, does applying for Medi-Cal in anyway affect the citizenship down the line. Since only one of the two are employed part time I was looking at getting the Medi Cal insurance which is a cheaper option. Please advice. Thank you!
July 4, 2021 at 15:54
I’ve arrived the states on June 22, and decided the place to live already. Can my son and I be covered with this insurance policy as well? As I continue filling out the application, it asks me for the US date of leaving.
July 4, 2021 at 16:06
I don’t know your details or the details of the policy you chose.
October 3, 2021 at 10:55
After reading the information and comments I still do have some doubts:
I’m travelling next November to activate my GC. After that I will travel back to Spain to arrange everything.
1. So, as per the comments, it is fine if I use during this month any health insurance? (Even Spanish health insurance which have coverage abroad?) I understand I won’t get a fine for that. Just to be sure I will get enough time once I settle down to have a health insurance.
2. Does the two month rule apply if I spend one month now and one month after I move permanently? Or does it just apply for two months one after the other with no interruption between them?
3. Not related to this topic, but in order to avoid posting too much. Is there any issue if I just activate the GC in November and come back home for some months up to 1 year? I read your Q&A and you say you can be outside the States for up to one year, but I still get a lot of comments saying I should not leave the country for more than six months even though It is my first trip. They say I can have issues with taxes and so if I spend more than 180 days abroad.
Thank you in advance for all the help, much appreciated!
October 6, 2021 at 04:45
1. Generally foreign insurance policies have coverage limits which do not cope with the costs of USA healthcare. So – US health insurance is advised
2. What two month rule?
3. No problem. The taxes thing is a different issue.
November 22, 2021 at 14:08
I arrived with my husband and daughter October 21st. We have finally received the social security card. Our plan is to look for jobs in our field, otherwise get any job in ten days. The health care insurance is confusing for us. As we don’t have jobs yet, we don’t know if the next job would include insurance.
We applied through healthcare.gov and we got the following result.
• Would be eligible to buy a 2021 Marketplace plan, but you don’t qualify for a Special Enrollment Period.
• Eligible for advance payments of the premium tax credit to help pay for a Marketplace plan. You can use up to this much of the tax credit:
• $834.00 each month, which is $10,008.00 for the year, for your tax household.
• This is based on the yearly household income of $0.00—the amount that you put on your application, or that came from other recent information sources.
• May be eligible for limited Medicaid health coverage. This provides health coverage only if you have an emergency.
• Can choose a Silver plan with lower copayments, coinsurance, and deductibles (cost-sharing reductions).
(Next steps :
• Keep your application up-to-date. The next Open Enrollment Period starts in late 2021.
• You’ll get a final decision from the Texas Health and Human Services Commission.
• By February 20, 2022, send documents to confirm your household income
For our daughter:
• May be eligible for free or low-cost coverage through Texas Medicaid. This result is based on the monthly household income of $0.00 that you provided on your Marketplace application (Next steps : You’ll get a final decision from the Texas Health and Human Services Commission)
1. does that mean we have to wait and apply for the 2022 plans?
2. do we have to buy insurance before that or would the 2022 plan suffice? I read that you mentioned something about 60 days which I don’t understand… Do we have to buy insurance within 60 days?
Thank you. We truly appreciate your help.
November 22, 2021 at 20:40
You don’t need to wait, you can enroll now.
You buy insurance to access medical care and avoid huge bills.
December 1, 2021 at 05:19
Hi just wanted your opinion please… my visitor coverage insurance expires tomorrow. I’ve been in NYC for 5 months currently not working… do I extend this coverage for another 6 months. I’m not sure what other insurance I would be eligible for whenever I google Obama care comes up… any help greatly appreciated cheers
December 2, 2021 at 04:32
Obamacare might be possible as you would qualify for a subsidy. But don’t risk being without insurance. Do month to month if you have to.