Health Insurance for Immigrants
Navigating health insurance as an immigrant can be challenging, but there are several options available to ensure you and your family are covered. This guide will help you understand your choices, how to access affordable health insurance, and where to find help if you need it.
Special Enrollment Period (SEP)
If you missed the open enrollment period, you might still qualify for a Special Enrollment Period (SEP) due to certain life events. These events include:
- Losing Job-Based Health Coverage
- Losing Medicaid or CHIP Coverage
- Becoming a U.S. Citizen
- Moving to a New Area
- Moving to a New ZIP Code or County
- Leaving Incarceration
If you qualify for an SEP, you usually have up to 60 days following the event to enroll in a plan. Visit Healthcare.gov to see if you qualify and to apply for coverage.
Health Benefits for Immigrant Seniors and Adults
Due to changes in eligibility policy, some immigrants may no longer qualify for Health Benefits for Immigrant Adults (HBIA) or Health Benefits for Immigrant Seniors (HBIS).
If you are a lawful permanent resident (green card holder) who has been in the U.S. for less than five years, you may be eligible for subsidies on the federal health insurance marketplace.
Medicaid and CHIP
Low-income immigrants may qualify for Medicaid or the Children’s Health Insurance Program (CHIP). These programs offer free or low-cost coverage and you can apply anytime. Eligibility varies by state, so check your state’s specific requirements.
Community Health Centers
Community health centers – like Aunt Martha’s – offer low-cost or sliding-scale fee services to individuals without health insurance. These centers provide a range of services, including primary care, dental care, and mental health services. Find a community health center near you by visiting the Health Resources and Services Administration (HRSA) website.
Even if you missed the open enrollment period, there are still several options available to ensure you have health coverage. Explore these alternatives and choose the one that best fits your needs. Remember, having health insurance is crucial for protecting your health and financial well-being.
Help with Health Insurance for Immigrants and their Families
Navigating health insurance as an immigrant can be complex, but there are resources and options available to help you get covered. Explore these alternatives and choose the one that best fits your needs.
Call to talk to one of our Enrollment Assisters, or visit our Health Insurance Resources page to get started.
The ABCs of Health Insurance
