@ProbeGT I stumbled across this very informative post today as we start researching how to get insurance for my in-laws who hopefully will be immigrating in the next year or two. I just wanted to ask if any advice from your original post has changed, especially around filing of $0.00 and non-dependent tax returns. Is this what your parents are still doing successfully here now in 2023? BTW thank you for the information you have provided.