When to get insurance ? How to get one ?

[asls 29]

Hi everyone.

We will be applying for AOS soon after our marriage which is in one week. Can you please tell me where does insurance comes in?

At which point I'm obligated to get insurance and not pay a fine ?

I'm applying for SSN before our marriage.

My soon to be wife has insurance through her mother, and not through her employer, she says the insurance from her employer is not so good, but she will be getting off her mom's insurance plan, so what kind of plan can we get ?

I read something about Obamacare and a special enrollment for when you get married, her income is currently just above 20.100$.

Thank you.

[Ebunoluwa 6,136]

You can not get subsidized Obama care unless you can not get insurance through your spouse's employment,

even if it is not good insurance.

So if her employer offers insurance you can either be added to hers or get other insurance anywhere which is usually even

more expensive. I suggest going to a local health insurance agent to discuss this with.

[Pitaya 2,577]

~Moved from Fam.-based AOS to Moving to the US and Your New Life in America Forum~

~Similar topics are often discussed at this forum.~

Edited July 31, 2016 by Pitaya

[asls 29]

Are you sure I can't get any insurance through Obamacare ? Could anyone with similar experience pitch in ? We are both 25 years old if age plays any factor in price/criteria.

[Ebunoluwa 6,136]

https://www.healthcare.gov/

Go through the questions and see the different prices and plans. You do not need a GC to qualify.
If your spouse's employer offers health insurance then yes you can get Obamacare but not a subsidized premium plan.

If I have insurance through my employer, can my spouse get coverage through the exchange?

• By Louise Norris
• healthinsurance.org contributor
• April 21, 2016

Q. I have insurance, with a small fee, through my employer. However, my husband is unemployed and to cover him on my insurance is almost $400. Can he get insurance through the marketplace even though it is offered through my company?

A. Yes, but he cannot get a subsidy to help pay for health insurance in the marketplace. If you have access to an employer-sponsored plan that is deemed affordable, you cannot get a subsidy to help pay for an individual policy instead.

The IRS has ruled that an employer plan is “affordable” if the cost for employee-only coverage (for the least-expensive plan available from the employer) does not exceed 9.66 percent of household income in 2016 (increasing to 9.69 percent in 2017). This is true regardless of the total amount that must be paid to cover dependents on the policy.

You mentioned that your coverage is provided for a small fee – as long as it’s not more than 9.66 percent of your household income, your husband would not be eligible for a marketplace subsidy on an individual plan. This is known as the family glitch, and there are between two and four million Americans who are unable to access affordable health insurance because of it.

However, depending on his age and the type of coverage he wants, he might find that he can get an individual plan for less than $400, even without a subsidy. He can shop in the marketplace or off-exchange (directly through a health insurance carrier or a broker) and see what’s available in your state. If he doesn’t mind a relatively high deductible, a Bronze plan might be a good way to lower his premium costs.

Edited July 31, 2016 by Ebunoluwa