US Health Insurance for Immigrants: What You Need to Know

# Health Insurance for Immigrants The US healthcare system can be confusing, especially for newcomers. Here's what you need to know. ## Types of Coverage ### Marketplace Plans (ACA/Obamacare) Available during Open Enrollment (Nov-Jan) or with a qualifying life event. Subsidies available based on income. Legal immigrants are eligible. ### Medicaid Free or low-cost coverage for low-income individuals. Eligibility varies by state. Most legal immigrants must wait 5 years, but some states cover newcomers immediately. ### Employer Insurance If your employer offers health insurance, this is usually the best option. Employers typically pay 50-80% of the premium. ## Key Terms - **Premium** — monthly payment - **Deductible** — amount you pay before insurance kicks in - **Copay** — fixed amount per visit - **Out-of-pocket maximum** — most you'll pay in a year ## Emergency Care Emergency rooms must treat you regardless of insurance status or immigration status. However, you will receive a bill.