Public Charge Health Insurance

E&M Global Insurance offers health insurance options within two categories: domestic health insurance and international health insurance.

Domestic Health Insurance

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.

Short-term insurance products can be purchased in these states: Alabama, Arkansas, Arizona, Washington DC, Florida, Georgia, Iowa, Indiana, Illinois, Kansas, Kentucky, Louisiana, Michigan, Missouri, Mississippi, Montana, North Carolina, Nebraska, North Dakota, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, West Virginia and Wyoming.

ACA (Affordable Act Plans) can be purchased during open enrollment or a Special Election Period. These plans cover all pre-existing conditions, and most carriers don’t require a Social Security or Tax ID Number. Clients can apply for a subsidy to offset the costs of this plan, but it may not be considered in the Public Charge determination.

International Health Insurance

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.