Is Your Spouse or Child Uninsured Due To Immigration Status?
If your spouse or child is an undocumented immigrant, you may be worried about their health insurance options. The Affordable Care Act (ACA) does not allow undocumented immigrants to purchase health insurance through the Health Insurance Marketplace. However, there are still some options available to help your family get the coverage they need.
Medicaid and CHIP
Medicaid and the Children’s Health Insurance Program (CHIP) are government programs that provide health insurance to low-income individuals and families. Undocumented immigrants are not eligible for Medicaid or CHIP, but their U.S.-born children may be eligible. Certain requirements must be met, such as citizenship or legal residency, and household income.
Emergency Medicaid
Emergency Medicaid is a program that provides temporary health insurance to undocumented immigrants who need emergency medical care. This coverage is only available for life-threatening conditions, such as heart attacks, strokes, and cancer.
Private Health Insurance
Some private health insurance companies offer plans to undocumented immigrants. These plans are typically more expensive than plans purchased through the Health Insurance Marketplace, but they may be the only option available to undocumented immigrants who need health insurance.
Other Options
There are also a number of community health centers and clinics that provide free or low-cost health care to undocumented immigrants. These centers typically offer a range of services, including prenatal care, well-child visits, and immunizations.
If you are an undocumented immigrant, it is important to know that you have options for getting health insurance. Do not wait until you are sick or injured to seek out coverage. By planning ahead, you can help ensure that you and your family have the health coverage you need. A licensed agent can help you understand your options and find the best plan for your needs.
Additional Resources
The National Immigration Law Center: https://www.nilc.org/
The Kaiser Family Foundation: https://www.kff.org/
The Center for American Progress: https://www.americanprogress.org/
The National Association of Community Health Centers: https://www.nachc.org/
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