New Healthcare Requirements for US Immigrants

[yuna628 9,676]

13 hours ago, 90DayFinancier said:

We will have to see what we have by Nov 3 with

"other plans deemed adequate by the Secretary of Health and Human Services."

 

Side bar: After railing for years against the individual mandate, this administration seems bent on making sure immigrants have healthcare. 

Yep. Remember the SCOTUS ruled that the government cannot compel someone to obtain health insurance and the whole argument against the ACA was big government telling people what they can and cannot do. Funny how things change...

[jdelarosa11 0]

Hi! Need help here. 😔

I'm currently on a CR1 Visa process and will have an interview at USEM on Nov 22. And with this new rule, I should be able to show that I have a health insurance right on the interview.
My problem right now is that me and my wife don't know what healthcare insurance to get. She's a self-employed right now and just using a subsidised health insurance (which I believe is not allowed on this requirement). We cannot show a financial resource for foreseeable medical costs since my wife doesn't have big savings.

What do you think is the best thing for us to do? We have little knowledge and experience on healthcare insurances so we're kinda confused 😔

[geowrian 22,337]

2 hours ago, jdelarosa11 said:

Hi! Need help here. 😔

I'm currently on a CR1 Visa process and will have an interview at USEM on Nov 22. And with this new rule, I should be able to show that I have a health insurance right on the interview.
My problem right now is that me and my wife don't know what healthcare insurance to get. She's a self-employed right now and just using a subsidised health insurance (which I believe is not allowed on this requirement). We cannot show a financial resource for foreseeable medical costs since my wife doesn't have big savings.

What do you think is the best thing for us to do? We have little knowledge and experience on healthcare insurances so we're kinda confused 😔

Prior to this rule, what was the plan for healthcare coverage?

You can show costs for a plan under your state's exchange, or find costs for private insurances and then demonstrate that you will obtain coverage upon coming to the US.

[Shanshanjamrock 44]

4 hours ago, jdelarosa11 said:

Hi! Need help here. 😔

I'm currently on a CR1 Visa process and will have an interview at USEM on Nov 22. And with this new rule, I should be able to show that I have a health insurance right on the interview.
My problem right now is that me and my wife don't know what healthcare insurance to get. She's a self-employed right now and just using a subsidised health insurance (which I believe is not allowed on this requirement). We cannot show a financial resource for foreseeable medical costs since my wife doesn't have big savings.

What do you think is the best thing for us to do? We have little knowledge and experience on healthcare insurances so we're kinda confused 😔

Hey you might  want to check this site out and see if there is a affordable plan you can choose from its call (American visitor insurance) it's good for like permanent resident and new green card holder I was searching for health insurance myself as I'm filing for my mom so this is what I came across  I hope it help

[Yogalife 3]

Does anyone know how this rule applies to people who have already been here on another visa and Aos to green card marriage

[HRQX 4,145]

26 minutes ago, Yogalife said:

Does anyone know how this rule applies to people who have already been here on another visa and Aos to green card marriage

It doesn't apply to AOS: https://www.whitehouse.gov/presidential-actions/presidential-proclamation-suspension-entry-immigrants-will-financially-burden-united-states-healthcare-system/

[Sarah&Facundo 595]

4 hours ago, geowrian said:

Prior to this rule, what was the plan for healthcare coverage?

You can show costs for a plan under your state's exchange, or find costs for private insurances and then demonstrate that you will obtain coverage upon coming to the US.

At least prior to this, new immigrants had the opportunity to have subsidized health care on the Exchange. If this was in place last year, this would have been a real struggle for us. Even the most basic plan on the marketplace in my state is astronomical cost-wise. 

[Madison S. 48]

Hi everybody,

 

I know everybody here is probably freaking out about this just as much as me. My husband got his interview date today (it's going to be Nov 6), so we need to demonstrate he can be covered by insurance within 30 days of entry. I am 23 so I am technically still riding on my father's insurance (as it's much better coverage than that offered by my employer's). Further, even if I accept it from my employer, its enrollment is on a semester-basis (as I am a paid graduate fellow), so I can't even accept to be added to it or to add a dependent or spouse until January. If he comes then, that's great and I can prove coverage within 30 days but it would still technically be $700/month or so after speaking to my employer's health resources department. 

 

In general, we are unclear on how many financial resources we must demonstrate at interview to prove we can afford the private market for him. We are also overwhelmed looking at all of our options on the private market and what degree of coverage we must attain (what coverage limit, how much we have to make for the consular officers to think we can afford this, etc.).

 

I started looking at the American Visitor INsurance that @Shanshanjamrock mentioned. 

 

What advice do you guys have?

Edited October 24, 2019 by Madison S.

[Boiler 45,486]

What were you looking to do without this issue?

[kgkg 9]

I just received the interview notice for my dad. The interview date is Nov 26. Based on the exclusion of the law, it seems that I do not need to provide health insurance proof if he or I can demonstrate to the satisfaction of the consular officer that the alien’s healthcare will not impose a substantial burden on the United States healthcare system. But how can I demonstrate?

 

Alternatively, I saw I can buy Short-term, limited duration health plans effective for a minimum of 364 days or until the beginning of planned, extended travel outside the United States. The cost is only $500ish for a year. The question is whether that is enough evidence that he will not impose a burden on US healthcare system.

 

Thank you, all!

[Boiler 45,486]

Seems unlikely the new regukations will come into force anytime soon, just show what you would otherwise have done, how the Healthcar situation would be taken care of, quotes, funds to cover the premiums whatever.

[artcodex 28]

5 hours ago, Yogalife said:

Does anyone know how this rule applies to people who have already been here on another visa and Aos to green card marriage

nope just people applying from outside, it's only if the current on hold public charge rules come into effect that medical will become something interesting for Aos

[90DayFinancier 910]

5 hours ago, Madison S. said:

Hi everybody,

 

I know everybody here is probably freaking out about this just as much as me. My husband got his interview date today (it's going to be Nov 6), so we need to demonstrate he can be covered by insurance within 30 days of entry. I am 23 so I am technically still riding on my father's insurance (as it's much better coverage than that offered by my employer's). Further, even if I accept it from my employer, its enrollment is on a semester-basis (as I am a paid graduate fellow), so I can't even accept to be added to it or to add a dependent or spouse until January. If he comes then, that's great and I can prove coverage within 30 days but it would still technically be $700/month or so after speaking to my employer's health resources department. 

 

In general, we are unclear on how many financial resources we must demonstrate at interview to prove we can afford the private market for him. We are also overwhelmed looking at all of our options on the private market and what degree of coverage we must attain (what coverage limit, how much we have to make for the consular officers to think we can afford this, etc.).

 

I started looking at the American Visitor INsurance that @Shanshanjamrock mentioned. 

 

What advice do you guys have?

I think from a personal financial standpoint have a minimum coverage like a high deductible or tourist plan to transition, then look at a regular policy, ACA policy  (open enrollment runs Nov 1 to Dec 15) or an employers plan if they are going right to work.

 

 

From an interviewee standpoint: I don't see how they are going to have this implented on Nov 3rd. Nothing in this administration moves that fast. If you are stressed, get the high deductible "catastrophic" plan now and cancel it once he arrives because that is specifically addressed in the so called "proclamation".

 

Edited October 24, 2019 by 90DayFinancier

[Madison S. 48]

3 minutes ago, 90DayFinancier said:

I think from a personal financial standpoint have a minimum coverage like a high deductible or tourist plan to transition, then look at a regular policy, ACA policy  (open enrollment runs Nov 1 to Dec 15) or an employers plan if they are going right to work.

 

 

From an interviewee standpoint: I don't see how they are going to have this implented on Nov 3rd. Nothing in this administration moves that fast. If you are stressed, get the high deductible "catastrophic" plan now and cancel it once he arrives because that is specifically addressed in the so called "proclamation".

 

Thank you. Is it best to have a plan where he is already covered by the time of his interview, or is it sufficient to simply show we are looking at these policies and these are our financial resources (which demonstrate we can pay for them by the date he intends to arrive)? 

 

[90DayFinancier 910]

45 minutes ago, Madison S. said:

Thank you. Is it best to have a plan where he is already covered by the time of his interview, or is it sufficient to simply show we are looking at these policies and these are our financial resources (which demonstrate we can pay for them by the date he intends to arrive)? 

 

I wish I could answer you, from what I have read in the proclamation the demonstration of ability should suffice. That is simply my best guess though.

 

 

Edit , I did find this analysis

 

https://www.migrationpolicy.org/news/health-insurance-test-green-card-applicants-could-sharply-cut-future-us-legal-immigration

Edited October 25, 2019 by 90DayFinancier