Immigrants Parents need health care insurance

[joyce0731 3]

My parents are immigrating to US and they are in 60s. Any suggestions and cheaper insurance for them? They are planning to work soon once they got their green card. Any response will be greatly appreciated. Thank you. 

[Mike E 11,742]

assuming they don’t get health insurance through work, start  at healthcare.gov and shop for plans.  
 

Bronze plans can cost under $100 / month in premiums. The maximum out of pocket cost for treatment is about $14,000 a year.  They can shop for a more expensive plan with lower maximum out of pocket costs and depending  on their income get a subsidy.  The mechanics of the subsidy are either it is paid as they go or is paid in the form of a tax refund. 

 

[Chancy 6,243]

*** Moved from Bringing Family of USC forum to Your New Life In America forum, where insurance-related topics are discussed ***

 

41 minutes ago, joyce0731 said:

My parents are immigrating to US and they are in 60s. Any suggestions and cheaper insurance for them?

 

Your parents may get health insurance coverage through ACA marketplace.  Check the threads below for more info --

 

 

[Boiler 45,837]

California I thought provides free care for new immigrants.

[SusieQQQ 11,587]

1 hour ago, Boiler said:

California I thought provides free care for new immigrants.

OP lists their state as Minnesota. Didn’t see that the parents were planning to live elsewhere?

 

3 hours ago, joyce0731 said:

My parents are immigrating to US and they are in 60s. Any suggestions and cheaper insurance for them? They are planning to work soon once they got their green card. Any response will be greatly appreciated. Thank you. 

What kind of work? It seems to me that generally insurance through an employer is cheaper than elsewhere, especially if you don’t want big deductibles/out of pockets.

 

Looking further out, do you think at least one of them would be able to work 10 years (in a job paying Medicare /SS taxes) to get maximum Medicare and social security benefits?  https://www.hhs.gov/answers/medicare-and-medicaid/who-is-eligible-for-medicare/index.html

https://www.ssa.gov/benefits/retirement/learn.html

(with healthcare costs for the elderly, medicare is probably the more important consideration, im guessing you can support them if necessary if they don’t meet the social security threshold)

 

Edited October 22, 2022 by SusieQQQ

[joyce0731 3]

3 hours ago, Mike E said:

assuming they don’t get health insurance through work, start  at healthcare.gov and shop for plans.  
 

Bronze plans can cost under $100 / month in premiums. The maximum out of pocket cost for treatment is about $14,000 a year.  They can shop for a more expensive plan with lower maximum out of pocket costs and depending  on their income get a subsidy.  The mechanics of the subsidy are either it is paid as they go or is paid in the form of a tax refund. 

 

Thank you. This is very helpful. 🙏

3 hours ago, Chancy said:

*** Moved from Bringing Family of USC forum to Your New Life In America forum, where insurance-related topics are discussed ***

 

 

Your parents may get health insurance coverage through ACA marketplace.  Check the threads below for more info --

 

 

Thank you so much. This thread is very helpful. 🙏

[joyce0731 3]

1 hour ago, SusieQQQ said:

OP lists their state as Minnesota. Didn’t see that the parents were planning to live elsewhere?

 

What kind of work? It seems to me that generally insurance through an employer is cheaper than elsewhere, especially if you don’t want big deductibles/out of pockets.

 

Looking further out, do you think at least one of them would be able to work 10 years (in a job paying Medicare /SS taxes) to get maximum Medicare and social security benefits?  https://www.hhs.gov/answers/medicare-and-medicaid/who-is-eligible-for-medicare/index.html

https://www.ssa.gov/benefits/retirement/learn.html

(with healthcare costs for the elderly, medicare is probably the more important consideration, im guessing you can support them if necessary if they don’t meet the social security threshold)

 

They will be here in Minnesota not planning to move elsewhere. I don’t know yet what kind of job they will get but hopefully something and they will get insurance from work too. 
 

Yes, they are planning to work at least 10 years. Thank you for your very informative information. I will look into it. Appreciate it very much. 🙏

[joyce0731 3]

2 hours ago, Boiler said:

California I thought provides free care for new immigrants.

I am from Minnesota. I don’t know if California has free health care for new immigrants. 

[Boiler 45,837]

I had a senior moment, just saw California and did not check in which box.

 

California does, but I doubt it is available where you are.

 

So Job insurance is the best bet.

Edited October 22, 2022 by Boiler

[SalishSea 18,017]

4 hours ago, joyce0731 said:

They will be here in Minnesota not planning to move elsewhere. I don’t know yet what kind of job they will get but hopefully something and they will get insurance from work too. 
 

Yes, they are planning to work at least 10 years. Thank you for your very informative information. I will look into it. Appreciate it very much. 🙏

In general, hospitals tend to have excellent health insurance and retirement benefits.

[SalishSea 18,017]

3 hours ago, Boiler said:

I had a senior moment, just saw California and did not check in which box.

 

California does, but I doubt it is available where you are.

 

So Job insurance is the best bet.

Surely you mean a barely-middled-aged moment, Boiler.