New Healthcare Requirements for US Immigrants

[afrocraft 313]

3 minutes ago, Sarah n Ryan said:

Not being a smart xss here but what plan can my fiancé not get that USC’S can?  

Good question. Under the new "proclamation" you'd lose access to most plans in the ACA health exchanges. They were intended for working people who don't have employer-sponsored health plans and don't make enough to buy market-rate commercial plans.

 

They should just say it: Poor people stay out.

[afrocraft 313]

6 minutes ago, missileman said:

Not everyone qualifies for every type of plan.........Even USCs are excluded from some plans....

But there is a common yardstick we usually use for eligibility determination: Income, not immigration status.

[mich923 23]

4 hours ago, JFH said:

I’m pleased to see this is being taken more seriously. Not only does the taxpayer need a break from supporting people who choose to live here without insurance (I am not including people who were born here and can’t get insurance - that’s another matter), but petitioners need to be made more aware of the impact of bringing people into this country. 

 

We see many threads on here where K-1 petitioners are stressing about meeting the poverty guideline for the I-134 and in my opinion that’s just the tip of the iceberg of the problem they have afraid of them. If they are barely making the poverty level for themselves, how the heck can they add another person - who cannot work - into the household AND cover their health insurance? We know that there are people being brought in with no health insurance and no means to pay it and it’s just irresponsible of the petitioner to put their fiancé/spouse/parents in that position. 

 

I think this will see a decrease in K-1s but an increase in CR-1s (which I think is a good thing in itself, however it comes about) as CR-1s are married and therefore can be added to the spouse’s plan immediately and are also eligible to work right away and can take advantage of the plan offered by their own employer. 

 

I also see this impacting IR-5s quite significantly. Especially from the countries where chain migration for multiple family members is more prevalent. For too long brand new USCs have been throwing I-130s into the mail before the ink is dry on the certificate of citizenship, wanting to bring in parents and siblings without any financial planning as to how they will be cared for. 

 

Many have the impression that “it’s America, so it’s a better life”. It is if you work for it. As I often say to people back home “it’s a great place to live if you have the means, it’s the worst place in the western world to be poor”.

For the spousal visa, can a beneficiary be added to the petitioner's insurance plan once the he/she enters the US since they are already married and not in an open enrollment period? Are the insurance companies still treating it as a life event?

[ohcoffeeeyes 120]

10 minutes ago, missileman said:

It's part of NECESSARY planning.....

And that mutes my entire point? Thirty days is ridiculous, nevermind how hard to execute this law is, what do you do, ask them "will you get healthcare in thirty days?" and they say yes? How do you prove otherwise when we already have the common charge situation which vets immigrants coming in.

 

Stupid law, stupid stupid law. People are gonna get health insurance anyway, this is just fearmongering. No defense needed for this, probably only going to scare people from third world countries too.

Edited October 5, 2019 by ohcoffeeeyes

[Fogi 91]

5 minutes ago, mich923 said:

For the spousal visa, can a beneficiary be added to the petitioner's insurance plan once the he/she enters the US since they are already married and not in an open enrollment period? Are the insurance companies still treating it as a life event?

Check with your insurance company. 

 

For me it's marriage. She can begin being covered under my insurance from the marriage date. I only have 30 days after to submit the required paperwork. If not a life event like marriage, have to wait for enrollment period. 

 

Same with the life insurance policy though work, have to wait for marriage. I was able to add her as beneficiary on my private life insurance policy and 401k. 

 

Edited October 5, 2019 by Fogi

[Boiler 45,467]

Just now, ohcoffeeeyes said:

And that mutes my entire point? Thirty days is ridiculous, nevermind how hard to execute this law is, what do you do, ask them "will you get healthcare in thirty days?" and they say yes? How do you prove otherwise when we already have the common charge situation which vets immigrants coming in, unless you discriminate that is.

 

Stupid law, stupid stupid law. People are gonna get health insurance anyway, this is just adding stress to people to people and fearmongering. No defense needed for this, probably only going to scare people from third world countries too. 

How do you explain all the posts on here where people ask about getting insurance after they have moved here and seem completely clueless?

[Crazy Cat 41,836]

1 minute ago, Boiler said:

How do you explain all the posts on here where people ask about getting insurance after they have moved here and seem completely clueless?

Bingo!!!!   

[ohcoffeeeyes 120]

Just now, Boiler said:

How do you explain all the posts on here where people ask about getting insurance after they have moved here and seem completely clueless?

What do you mean how do I explain it?

 

Lol. Ask them, don't ask me, actually, ask their USC spouses or fiancees. People are REQUIRED to get health insurance anyway, it's in the LAW. You get a tax penalty if you don't, unless their spouse or fiancee is under 25 then theres no excuse.

[Crazy Cat 41,836]

3 minutes ago, ohcoffeeeyes said:

And that mutes my entire point? Thirty days is ridiculous, nevermind how hard to execute this law is, what do you do, ask them "will you get healthcare in thirty days?" and they say yes? How do you prove otherwise when we already have the common charge situation which vets immigrants coming in.

 

Stupid law, stupid stupid law. People are gonna get health insurance anyway, this is just fearmongering. No defense needed for this, probably only going to scare people from third world countries too.

There are many posters here who don't meet the 125% threshold.......you think they all get health insurance?

[Boiler 45,467]

1 minute ago, ohcoffeeeyes said:

What do you mean how do I explain it?

 

Lol. Ask them, don't ask me, actually, ask their USC spouses or fiancees. People are REQUIRED to get health insurance anyway, it's in the LAW. You get a tax penalty if you don't, unless their spouse or fiancee is under 25 then theres no excuse.

That used to be the case but the law changed.

 

You said people are going to get health insurance anyway and some will but not all.

[Crazy Cat 41,836]

2 minutes ago, ohcoffeeeyes said:

People are REQUIRED to get health insurance anyway, it's in the LAW.

https://www.commonwealthfund.org/blog/2018/understanding-impact-elimination-individual-mandate-penalty

 

"Starting in 2019, the Affordable Care Act’s individual mandate penalty will be eliminated, effectively ending the law’s requirement that most people have health insurance. Without a penalty, some people — particularly those who are younger or healthier — may drop coverage. "

 

[ohcoffeeeyes 120]

Just now, missileman said:

https://www.commonwealthfund.org/blog/2018/understanding-impact-elimination-individual-mandate-penalty

 

"Starting in 2019, the Affordable Care Act’s individual mandate penalty will be eliminated, effectively ending the law’s requirement that most people have health insurance. Without a penalty, some people — particularly those who are younger or healthier — may drop coverage. "

 

Good change 😴

[Crazy Cat 41,836]

2 minutes ago, ohcoffeeeyes said:

Good change 😴

Agree

 

https://help.ihealthagents.com/hc/en-us/articles/115001888334-What-is-the-penalty-for-not-having-health-insurance-in-2019-

 

"The federal tax penalty for not being enrolled in health insurance will be eliminated in 2019 because of recent changes made by the Trump Administration. "

Edited October 5, 2019 by missileman

[ohcoffeeeyes 120]

1 minute ago, Boiler said:

That used to be the case but the law changed.

 

You said people are going to get health insurance anyway and some will but not all.

Yes you're right, not all will, knowing this I can reshuffle what I said but my point still stands. Most people WILL get health insurance, the people that won't don't make enough that is FINE, why can't they be with their loved one? Because they're poor? 

[ohcoffeeeyes 120]

6 minutes ago, missileman said:

There are many posters here who don't meet the 125% threshold.......you think they all get health insurance?

Nah. And thats fine. Why should that prevent them from being with their loved one?

 

Edited October 5, 2019 by ohcoffeeeyes