Non subsidized health insurance

[Cndn 98]

Does anyone know how to make sure the health insurance plan you have is not subsidized? Do I just have to avoid purchasing it on the exchange and directly from the insurer? We’re looking to change our plan but if I understand correctly should make sure it’s not subsidized because of these new rules? Thanks. 

[payxibka 10,045]

2 minutes ago, Cndn said:

Does anyone know how to make sure the health insurance plan you have is not subsidized? Do I just have to avoid purchasing it on the exchange and directly from the insurer? We’re looking to change our plan but if I understand correctly should make sure it’s not subsidized because of these new rules? Thanks. 

These new rules are not in place after a court injunction 

[Cndn 98]

2 minutes ago, payxibka said:

These new rules are not in place after a court injunction 

Okay thanks. I understand it’s not yet in effect. Do you know how to ensure the health insurance is not subsidized though? 

[payxibka 10,045]

Just now, Cndn said:

Okay thanks. I understand it’s not yet in effect. Do you know how to ensure the health insurance is not subsidized though? 

If buying through the exchange,  simply skip the section regarding income 

[Cndn 98]

17 minutes ago, payxibka said:

If buying through the exchange,  simply skip the section regarding income 

Ok thank you! 

[Joyoussinger 1,425]

Even if the new rules were to go into effect, a subsidy through the marketplace would not be a problem. You don't need to worry about this. If you are here lawfully, you are eligible.

[Cndn 98]

5 minutes ago, Joyoussinger said:

Even if the new rules were to go into effect, a subsidy through the marketplace would not be a problem. You don't need to worry about this. If you are here lawfully, you are eligible.

Oh really? I was under the impression that subsidies were a no go? I thought that took away from the sponsor and beneficiary being totally self sufficient? 

[payxibka 10,045]

6 minutes ago, Joyoussinger said:

Even if the new rules were to go into effect, a subsidy through the marketplace would not be a problem. You don't need to worry about this. If you are here lawfully, you are eligible.

While I would agree, however, there is conflicting information on the web about this even among the lawyers 

[Ontarkie 14,221]

~~Moved to Moving Here and Your New Life, from AOS Family K1/K3- the topic is about health insurance.~~

[MjC772 94]

18 hours ago, Cndn said:

Oh really? I was under the impression that subsidies were a no go? I thought that took away from the sponsor and beneficiary being totally self sufficient? 

This was my understanding as well; marketplace OK, subsidy not OK. 

Just to add, health insurance is always a solid idea regardless of mandates or injunctions. 

Edited November 8, 2019 by MjC772

[Joyoussinger 1,425]

On 11/7/2019 at 4:57 PM, Cndn said:

Oh really? I was under the impression that subsidies were a no go? I thought that took away from the sponsor and beneficiary being totally self sufficient? 

 

On 11/7/2019 at 4:59 PM, payxibka said:

While I would agree, however, there is conflicting information on the web about this even among the lawyers 

 

10 hours ago, MjC772 said:

This was my understanding as well; marketplace OK, subsidy not OK. 

Just to add, health insurance is always a solid idea regardless of mandates or injunctions. 

This is a paragraph in the Federal Register document "Visas: Ineligibility Based on Public Charge Grounds". The last sentence indicates that, while premium tax credits under the ACA is not a "heavily weighted positive" it's not excluded from consideration as a positive. The whole, ponderous document is here:  https://www.federalregister.gov/documents/2019/10/11/2019-22399/visas-ineligibility-based-on-public-charge-grounds

"ALIEN HAS PRIVATE HEALTH INSURANCE  Additionally, consular officers will consider as a heavily weighted positive factor that an alien is covered by private health insurance (other than health insurance obtained with premium tax credits under the Affordable Care Act) that can be used in the United States during the entire period of the alien's anticipated stay in the United States. This approach is supported by DHS's analysis of Survey of Income and Program Participation data, which indicates that the fact that an alien has health insurance is indicative of the alien's ability to be self-sufficient. See Inadmissibility on Public Charge Grounds, 84 FR 41292, 41449 (Aug. 14, 2019). In excluding health insurance obtained with premium tax credits under the Affordable Care Act from the category of heavily weighted positive factors, though not from consideration as a positive factor, the Department observes that DHS adopted this approach in its final rule."

[Cndn 98]

23 minutes ago, Joyoussinger said:

 

 

This is a paragraph in the Federal Register document "Visas: Ineligibility Based on Public Charge Grounds". The last sentence indicates that, while premium tax credits under the ACA is not a "heavily weighted positive" it's not excluded from consideration as a positive. The whole, ponderous document is here:  https://www.federalregister.gov/documents/2019/10/11/2019-22399/visas-ineligibility-based-on-public-charge-grounds

"ALIEN HAS PRIVATE HEALTH INSURANCE  Additionally, consular officers will consider as a heavily weighted positive factor that an alien is covered by private health insurance (other than health insurance obtained with premium tax credits under the Affordable Care Act) that can be used in the United States during the entire period of the alien's anticipated stay in the United States. This approach is supported by DHS's analysis of Survey of Income and Program Participation data, which indicates that the fact that an alien has health insurance is indicative of the alien's ability to be self-sufficient. See Inadmissibility on Public Charge Grounds, 84 FR 41292, 41449 (Aug. 14, 2019). In excluding health insurance obtained with premium tax credits under the Affordable Care Act from the category of heavily weighted positive factors, though not from consideration as a positive factor, the Department observes that DHS adopted this approach in its final rule."

Ahhh so private health care with subsidies = positive, private with no subsidies = heavily weighted positive. Good information. Thanks for looking into this! 

[SmallTownPA 72]

On 11/7/2019 at 3:59 PM, payxibka said:

These new rules are not in place after a court injunction 

The left coast judge is wrong.  He will be overturned.

 

Adding a condition to admissibility is not a hardship.  You already have to prove self-sustainability to even get a visa.  

 

This is a prime example of judicial over reach.

[payxibka 10,045]

10 hours ago, SmallTownPA said:

The left coast judge is wrong.  He will be overturned.

 

Adding a condition to admissibility is not a hardship.  You already have to prove self-sustainability to even get a visa.  

 

This is a prime example of judicial over reach.

No doubt it will get reversed and the new rules will go into place sometime in the future