In certain states, immigrants can purchase a non-ACA (Affordable Care Act) plan.
These are short-term plans that vary in length from one month to three years. Depending on the state of residence, non-ACA plans can be renewed on a yearly basis.
National General (Aetna) is our recommended carrier for non-ACA plans for immigrants. This carrier doesn’t require a Social Security Number or require individuals to be in the U.S. for 12 months before issuing coverage. These plans can be purchased when the immigrant is in the U.S.
International health insurance is available in all 50 states and plans don’t require a Social Security Number. International health insurance plans can be purchased before applicants are in the United States and don’t have waiting periods. However, these plans are subject to the applicant’s medical history.
Cigna Global and GeoBlue are our recommended carriers for international health insurance coverage.
Cigna Global offers a guaranteed issue ACA plan for certain visa types, including E, H, O, and R.
At E&M Global Insurance, we’ll work with you and your clients to find an appropriate insurance plan for their needs. With an insurance plan squared away before the Public Charge questionnaire is issued, you can significantly strengthen your client’s case for a U.S. visa.
