Health Insurance for people with greencards

[Voyager7 3]

Hi, I'm not sure where else to ask.

We're  trying to find health insurance  for my husband  ( GC holder) but I'm having trouble  finding any health insurance  companies that accept ppl with greencard. I know obamacare will.

Does anyone know of any I could look into??

[yuna628 9,713]

10 minutes ago, Voyager7 said:

Hi, I'm not sure where else to ask.

We're  trying to find health insurance  for my husband  ( GC holder) but I'm having trouble  finding any health insurance  companies that accept ppl with greencard. I know obamacare will.

Does anyone know of any I could look into??

I'm not sure why you think an insurer would deny someone that has a green card. Immigrants are certainly eligible for insurance and purchase it all the time. The only thing that is off limits is Medicare and Medicaid. Here's the options before you:

 

1) Sign up to Obamacare - at this point open enrollment is ending within days. You'd need to act very fast. Your husband would certainly be eligible. You'll need to provide them with the documents they require.

 

2) Pretty much every single insurance that is on Obamacare you can also purchase privately through the insurers directly. Virtually every insurer within your state will accept a legal immigrant. If they deny an immigrant they are doing something illegal. Most insurers will not even ask any questions. I bought us joint insurance privately via BCBS. They asked no questions whatsoever and had no issues with immigrants. They only required proof of marriage.

 

3) Add your spouse to your insurance via work.

 

4) Wait until your spouse has a job and has their own insurance via working.

 

Remember: all persons residing in the US must have health insurance or pay a penalty in taxes. That does not mean that a person is required to purchase insurance if they do not want it - so long as they pay the fine. Any of the above options will not be cheap. There is no real affordability in health insurance these days. Pick an option that works for you best. Call up insurers and ask them. If any representative tries to tell you your legal spouse doesn't qualify them, request a supervisor.

Edited December 9, 2017 by yuna628

[TNJ17 1,329]

Your cheapest option would be to add him to your policy. You don’t have much time to enroll for Obamacare. Gotta hurry. 

[Voyager7 3]

Thank you. I feel dumb for thinking that most companies wouldn't accept a green card holder lol!

[Umka36 781]

FWIW, we went through the K1 visa and getting married was what let me add her to my health insurance policy not her immigration status.