Who’s Eligible for ACA Insurance if They’re Not US Citizens or Green Card Holders?
The Affordable Care Act (ACA) is the law that made health insurance more accessible and affordable for millions of Americans, but what about those who are not US citizens or green card holders? Understanding health insurance options as an immigrant or non-citizen can be confusing, so here’s a guide to help.
Non-US Citizens and Green Card Holders
The ACA generally does not provide health insurance coverage to non-US citizens or green card holders. However, there are exceptions for certain groups, such as:
Legal permanent residents: Individuals who have been granted permanent residency status in the United States may be eligible for Medicaid or the Children’s Health Insurance Program (CHIP).
Refugees and Asylees: Individuals who have been granted refugee or asylum status may be eligible for Medicaid or CHIP.
Pregnant women and children under 19: Undocumented immigrants who are pregnant or have children under 19 may be eligible for Medicaid or CHIP.
Employer-Sponsored Health Insurance
Non-US citizens and green card holders who work in the United States may be eligible for employer-sponsored health insurance. Eligibility depends on the specific employer and their health insurance plan.
Private Health Insurance
Non-US citizens and green card holders may also be able to purchase private health insurance. However, it’s important to be aware that private health insurance can be more expensive for non-citizens and green card holders.
State Programs
Some states have their own health insurance programs for individuals who are not eligible for federal programs, including non-US citizens and green card holders. For example, California has the Healthy Families Program and Massachusetts has MassHealth Limited.
Seeking Professional Help
Understanding the complexities of health insurance for non-US citizens and green card holders can be challenging. It’s highly recommended to consult with a licensed insurance agent who specializes in ACA insurance to navigate the options and determine the best coverage for your specific situation. Remember, it’s important to review the eligibility criteria and consult with an expert to ensure you understand your coverage options and responsibilities under the ACA.
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