New Healthcare Requirements for US Immigrants

[SusieQQQ 11,586]

8 minutes ago, afrocraft said:

Sigh. Please read the full proclamation, not just the spin on the press release:

 

https://www.whitehouse.gov/presidential-actions/presidential-proclamation-suspension-entry-immigrants-will-financially-burden-united-states-healthcare-system/

Yes, it includes 

 

an unsubsidized health plan offered in the individual market within a State;

 

So it undercuts those who game the system by bringing in zero income retired parents and having them get subsidies - on tax they’ve never paid - to cheapen it up.  For everyone else, there’s ACA. 

 

 

[Crazy Cat 41,850]

4 minutes ago, afrocraft said:

Why all the exclusions? Surely if they're good enough for Americans, they're good enough for immigrants?

What exclusions?  Medicaid for adults?

[SusieQQQ 11,586]

16 minutes ago, Fogi said:

The medical takes care of that. I'm thinking the common cold or something that would require the antibiotics. Her catastrophe insurance would not cover that. A dr visit is what, $200 out of pocket? Not the end of the world, but that's a car payment. We planned on getting married 1-2 months after her arrival. Now I am thinking we should do it much, much sooner. 

 

This is something most people overlook. 

Well, I can only say this is a good thing if it is making people like you rethink this. The thought of being uninsured in a high cost system like this imo is truly scary. 

[SusieQQQ 11,586]

7 minutes ago, afrocraft said:

Why all the exclusions? Surely if they're good enough for Americans, they're good enough for immigrants?

For the same reasons other countries have various exclusions and/or requirements for new immigrants too. Local taxpayers fund the subsidies remember. Why should a brand new immigrant who’s never paid a cent of tax yet (and some never will) get a subsidy?  This is not an American thing, this is a thing. How do you think countries fund their social security systems, through manna from heaven?

[Mrs Ryan Carreras 247]

17 minutes ago, Boiler said:

I agree, but can not work out why, I understand there are situations where a K1 is the best bet, but seems that many going down this route have not investigated and are surprised when the consequences are mentioned.

For us, like you stated, K1 made sense as his working faster did not matter but being here to see his child did. Plus I can go back to work and he stays home with her. 

However, I don’t know that I’m surprised by people not understanding how healthcare here works. 
 

I think one needs to live the healthcare mess here to understand how awful it can be without coverage. 
 

Im 100 percent positive that those who get here not having coverage and experience a medical issue will have the “light bulb” go off after sticker shock. 
 

The Deductibles are nothing compared to seeing a big bill from the ER with no coverage. 
 

Many countries have free health care or our not mandated maybe like us US citizens? 
 

I can’t think of any other logical reason anyone would take the chance of not having coverage here. 
 

For me it was common sense to get my soon to be husband coverage. 
 

I have to say that I am baffled why some think this is wrong in any way. 
It’s the responsible thing to do at least here in the U.S. 

 

I am missing something here 🤷‍♀️ ? 

Edited October 5, 2019 by Sarah n Ryan

[Kris & Crystal 47]

2 hours ago, SaeedA said:

It probably won't be that bad if I can add by wife to my employer sponsored plan (no SS) come open enrollment period. However, I'd be in a pickle if they don't allow me to add her without a SS number.

 

Immigration is not a qualifying life event for adding someone to your insurance https://www.healthcare.gov/glossary/qualifying-life-event/

 

I think they ought to fix that before making such changes. However, the government isn't known for making logical decisions.

You might want to look at that a bit deeper: https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/

 

"Moving to the U.S. from a foreign country or United States territory"

[afrocraft 313]

3 minutes ago, SusieQQQ said:

Why should a brand new immigrant who’s never paid a cent of tax yet (and some never will) get a subsidy? 

But they pay taxes from Day 1: Sales tax, VAT, income tax if they work. We're not other countries; we have a unique legacy when it comes to immigration.

[Fogi 91]

11 minutes ago, Boiler said:

I agree, but can not work out why, I understand there are situations where a K1 is the best bet, but seems that many going down this route have not investigated and are surprised when the consequences are mentioned.

I should clarify I didn't overlook it insurance, only the gap. The catastrophe insurance only covers certain things.. I have a good job with very good insurance. I already know the costs. It's actually not as big of an increase as I thought to add her. 

3 minutes ago, SusieQQQ said:

Well, I can only say this is a good thing if it is making people like you rethink this. The thought of being uninsured in a high cost system like this imo is truly scary. 

I'm not rethinking the K1. Ha! I'm only thinking we should get married sooner. Where I live allows for quick marriages. Maybe we'll go from the airplane to the courthouse and then to my insurance portal 🙂

 

[ohcoffeeeyes 120]

21 minutes ago, missileman said:

Yes, there are MANY healthcare options which would satisfy the requirement....many.........

(b)  Approved health insurance means coverage under any of the following plans or programs:

(i)     an employer-sponsored plan, including a retiree plan, association health plan, and coverage provided by the Consolidated Omnibus Budget Reconciliation Act of 1985;

(ii)    an unsubsidized health plan offered in the individual market within a State;

(iii)   a short-term limited duration health policy effective for a minimum of 364 days — or until the beginning of planned, extended travel outside the United States;

(iv)    a catastrophic plan;

(v)     a family member’s plan;

(vi)    a medical plan under chapter 55 of title 10, United States Code, including coverage under the TRICARE program;

(vii)   a visitor health insurance plan that provides adequate coverage for medical care for a minimum of 364 days — or until the beginning of planned, extended travel outside the United States;

(viii)  a medical plan under the Medicare program; or

(ix)    any other health plan that provides adequate coverage for medical care as determined by the Secretary of Health and Human Services or his designee.

Does "family member's plan" include say, adding your child's spouse to your ChampVA?

[afrocraft 313]

12 minutes ago, missileman said:

What exclusions?  Medicaid for adults?

Certain incone-based commercial plans on the exchanges too. 

 

And here I was thinking you and Mr. Trump cared so much about immigrants.

[ohcoffeeeyes 120]

9 minutes ago, SusieQQQ said:

Why should a brand new immigrant who’s never paid a cent of tax yet (and some never will) get a subsidy? 

It's literally impossible to go your entire life without paying a cent of tax... even illegal immigrants bolster the US economy via sales tax and VAT. They're probably helping pay for Obamacare right now lol.

 

The truth is that those immigrants will pay tax from the day they step in, they pay for what they get, so why shouldn't they get it?

Edited October 5, 2019 by ohcoffeeeyes

[afrocraft 313]

15 minutes ago, SusieQQQ said:

Yes, it includes 

 

an unsubsidized health plan offered in the individual market within a State;

 

So it undercuts those who game the system by bringing in zero income retired parents and having them get subsidies - on tax they’ve never paid - to cheapen it up.  For everyone else, there’s ACA. 

 

 

If you exclude Medicaid and subsidized plans, you're very much closing the non-employer plans to many new immigrants.

 

So just say it: You only want rich people to come here. Just say it.

[ohcoffeeeyes 120]

1 minute ago, afrocraft said:

If you exclude Medicaid and subsidized plans, you're very much closing the non-employer plans to many new immigrants.

 

So just say it: You only want rich people to come here. Just say it.

I don't think they're saying that at all... they are wrong though. Legal immigrants pay as much tax as an American citizen, why should you put money into taxation and follow the laws of the land and not get something as basic as healthcare in a time of need? We're all humans.

[afrocraft 313]

3 minutes ago, ohcoffeeeyes said:

I don't think they're saying that at all... they are wrong though. Legal immigrants pay as much tax as an American citizen, why should you put money into taxation and follow the laws of the land and not get something as basic as healthcare in a time of need? We're all humans.

You're wasting your time. These people have long passed reasonableness. Something else has consumed them.

[Crazy Cat 41,850]

 

Just now, afrocraft said:

If you exclude Medicaid and subsidized plans, you're very much closing the non-employer plans to many new immigrants.

 

Catastrophic plans qualify......visitor health care plans qualify..........