New Healthcare Requirements for US Immigrants

[artcodex 28]

4 minutes ago, yuna628 said:

What are their reasons for not being insured? And as for what to do? Ideally, it would for your spouse to obtain coverage and then add you to their coverage as their spouse.

You can certainly do that, just be aware it will be very expensive, and you will not be taking advantage of important comingling. You may also terminate any plan you purchase if you are offered a plan via a workplace or your spouse finally decides to get joint coverage.

These type of insurances really do not cover LPRs. They tend to cover visitors. That's the big key in the website title as you can see. There are a few different types of insurances that offer short term coverage to immigrants and visitors, but you have to sort through them. Keep in mind these are still all short term coverage, are not ACA compliant, they DO NOT cover pre-existing conditions either. Coverage offered is dubious and if you are going to shell out $353 a month you'd be wiser to invest that amount in a real health insurance plan.

yes most of these insurances aren't for LPRs but some are just need to be careful. They are limited and do come with issues, but are also more easy to obtain if they provide acceptable proof for this healthcare requirement (this remains to be seen with guidance on changes). I think the appeal for this is these are easier to obtain prior to entering to provide proof of insurance (and they tend to cover catastrophic events which is a big part of the push in the health requirements). I don't think anything prohibits one from switching to a better plan when possible once you have entered the U.S (obviously has to be open market or qualifying event which I believe entering U.S. may be). This may just be a viable option that can show health care / ability to afford health coverage. 

[artcodex 28]

Just to add do be careful with these plans and make sure you scrutinize the terms and conditions

[Madison S. 48]

On 10/4/2019 at 10:17 PM, little immigrant said:

November 3rd

Is this the effective date for all cases filed from that point on, or for all applicants interviewing after that date, or for all immigrants entering the US after that date, or something else? I’m a little confused by the application of this rule

 

thanks

[Hemutian 68]

On 10/7/2019 at 10:18 AM, Whanlin said:

Crazy how the other half has to live huh. Maybe in the next life I'll get the luxury of options. 

If you lived in a state where the ACA was implemented and the exchanges were allowed to function as intended, then you would have qualified for a subsidy for your individual health insurance. That is, you would have qualified for decent insurance at a reduced price. Unfortunately, it appears you live in Arkansas, which is one of the states that has allowed its exchanges to fall apart under the Trump administration rules. If you lived in a different state, you would have more options.

 

Unfortunately, with the new Trump administration rules, your immigrant husband changes the equation. In the past, you and your husband both could have obtained subsidized health insurance through the exchanges. Under Trump's new rules, your husband can only be covered by a full price, unsubsidized plan through the exchanges. 

 

If you're unhappy with these rules, please write to your congressperson, senator, and president and let them know!

[dvaquerano 15]

In preparation to my wife's interview Oct 17th I submitted a request to my employer on how I could add my wife to my employer insurance plan. They did not say I can add her now byt they did send me a letter to present at the interview that reads like this: 

 

Quote

To Whom it may concern:

 

<employee name> is currently employed by <company name> and is enrolled in our group medical plan with employee only coverage. If his spouse relocates to the United States, this would be considered a qualifying event for <employee name> to add his spouse to his medical plan. Her coverage would be effective the date she arrives in the US. He would need to provide proof of her relocation as well. 

 

Please feel free to contact me if you have any questions about this notice or his coverage

 

<Signed, Benefits Specialist, contact info>

Now, I am wondering if you would be considered enough or if I should try to get a short term or individual market insurance for her....I know the proclamation doesnt take effect until November but I have seen enough not to assume things...

 

What do you think?

[USS_Voyager 1,972]

1 hour ago, Madison S. said:

I’m a little confused by the application of this rule

Everybody is confused about this rule and specifically how they are going to be implemented? What are the specifics? How much money is considered “enough” so one doesn’t have to have insurance? Is it $100,000? $200,000 in assets? Is it income over $100,000 per year? There are also conflicting information within the proclamation itself. What are the guidelines from HSS about the specifics of the plans they consider acceptable? 

 

Also, as I said, lawsuits are being filed up the wazoos on this thing, that a federal judge some where will put an injunction on it pending the court battles, which are going to take years to play out. 

[artcodex 28]

2 hours ago, Hemutian said:

If you lived in a state where the ACA was implemented and the exchanges were allowed to function as intended, then you would have qualified for a subsidy for your individual health insurance. That is, you would have qualified for decent insurance at a reduced price. Unfortunately, it appears you live in Arkansas, which is one of the states that has allowed its exchanges to fall apart under the Trump administration rules. If you lived in a different state, you would have more options.

 

Unfortunately, with the new Trump administration rules, your immigrant husband changes the equation. In the past, you and your husband both could have obtained subsidized health insurance through the exchanges. Under Trump's new rules, your husband can only be covered by a full price, unsubsidized plan through the exchanges. 

 

If you're unhappy with these rules, please write to your congressperson, senator, and president and let them know!

Well here is the interesting part, and it will be interesting to see how this plays out as more details come through. These rules don't at all change what kind of coverage green card holders can actually hold, they simply stipulate the kind of coverage you require to prove eligibility for an immigrant visa. This will be the confusing part for a lot of people because while entry requirements are more modifiable by the administration through executive order (like this one), the laws surrounding ACA and green card holders were enacted by congress and leave less room for executive modifications.

 

So basically once someone actually has a green card there is little as far as I can tell in these changes stopping them from obtaining subsidized ACA coverage at this point (Except the fear that the administration might use that against them in future rules), but we will have to see if there is any more guidance on this matter going forward.

[Bill Hamze 89]

1 hour ago, artcodex said:

Well here is the interesting part, and it will be interesting to see how this plays out as more details come through. These rules don't at all change what kind of coverage green card holders can actually hold, they simply stipulate the kind of coverage you require to prove eligibility for an immigrant visa. This will be the confusing part for a lot of people because while entry requirements are more modifiable by the administration through executive order (like this one), the laws surrounding ACA and green card holders were enacted by congress and leave less room for executive modifications.

 

So basically once someone actually has a green card there is little as far as I can tell in these changes stopping them from obtaining subsidized ACA coverage at this point (Except the fear that the administration might use that against them in future rules), but we will have to see if there is any more guidance on this matter going forward.

 

I hope the courts say "hey, you can't do that - allow USC to get subsidized ACA coverage but force immigrants (and petitioners) to buy unsubsidized coverage... it has to be the same for everyone."

 

 

[AnonIndia 58]

We need to have more mixed race babies to shift the voting demographic towards a more humane open minded one. 

[SalishSea 17,988]

16 minutes ago, AnonIndia said:

We need to have more mixed race babies to shift the voting demographic towards a more humane open minded one. 

Or, we can just raise our babies, regardless of race, to be humane and open minded adults.

[Chi2019 3]

Hi All ,

 

So i saw a video regarding change of Policy with immigration to take effect from the 15th of October 2019 , that once Petiotioner must earn up to 62k a year to be able to file for Green card for a beneficiary during AOS . So my question is?

 

1. Does this new Policy affect any one about to submitt his

[Unlockable 7,315]

21 minutes ago, Chi2019 said:

 

So i saw a video regarding change of Policy with immigration to take effect from the 15th of October 2019 , that once Petiotioner must earn up to 62k a year to be able to file for Green card for a beneficiary during AOS .

What??????

 

That is ABSOLUTELY NOT TRUE. I don't know what video you are watching but you need to never get information from that source again.

[Chi2019 3]

i All ,

 

So i saw a video regarding Afidavit of support with USCIS immigration that would take effect from the 15th of October 2019 , that a Petitioner must earn over 62k(125% above the poverty level) a year , to prove that ones relative will not benefit from the needs base systems inorder to be able to file for Green card for a beneficiary during AOS .So my question is?

 

1. Does this new Policy affect any one about to submitt his or her 1-129F application form or is it just for the ones who have secured the K1 visa , married and are already settled in the United state?

2. Which application forms will have some changes from the 15th October

 

Pleases guys i need your input for clarification. Thanks

[Crazy Cat 41,985]

20 minutes ago, Chi2019 said:

i All ,

 

So i saw a video regarding Afidavit of support with USCIS immigration that would take effect from the 15th of October 2019 , that a Petitioner must earn over 62k(125% above the poverty level) a year , to prove that ones relative will not benefit from the needs base systems inorder to be able to file for Green card for a beneficiary during AOS .So my question is?

 

1. Does this new Policy affect any one about to submitt his or her 1-129F application form or is it just for the ones who have secured the K1 visa , married and are already settled in the United state?

2. Which application forms will have some changes from the 15th October

 

Pleases guys i need your input for clarification. Thanks

Can you post a link to this video?   

[yuna628 9,689]

1 hour ago, Chi2019 said:

i All ,

 

So i saw a video regarding Afidavit of support with USCIS immigration that would take effect from the 15th of October 2019 , that a Petitioner must earn over 62k(125% above the poverty level) a year , to prove that ones relative will not benefit from the needs base systems inorder to be able to file for Green card for a beneficiary during AOS .So my question is?

 

1. Does this new Policy affect any one about to submitt his or her 1-129F application form or is it just for the ones who have secured the K1 visa , married and are already settled in the United state?

2. Which application forms will have some changes from the 15th October

 

Pleases guys i need your input for clarification. Thanks

Have no idea what you are referring to. The sponsor must earn 125% of the poverty level, and that's the way it's always been. Don't believe it is currently 62k, and you can easily look that up yourself. https://www.uscis.gov/i-864p If you needed 62k, that must be quite an enormous household eh? Additional factors that will be new and needed to prove in AOS, will be health insurance availability of the sponsor and the ability to add the future fiancé to that insurance, credit history, loans, and other issues may be requested on the new form.

 

We are still not sure if this will really come into play during a K1's visa stage, but it will certainly come into play during the AOS stage after the October deadline.