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10 things immigrant families need to know about marketplaces


published to June 26, 2014

Affordable coverage options are available on the health insurance marketplace® For immigrant families. If you recently moved to the United States and your immigration status has changed, there are a few things you should know about Marketplace coverage.

  1. To purchase private health insurance through the Marketplace, you must be a US citizen or legally located in the US. See the list of eligible immigration statuses on the marketplace.
  1. If you recently became a U.S. citizen or your immigration status has changed, you may qualify for the Special Enrollment Period. Find out if you can enroll in Marketplace health plans outside of Open Enrollment.

  2. If you are a legal immigrant, you can purchase private health insurance through the Marketplace.may be subject Reduce the burden of monthly insurance premiums When Reduce out-of-pocket costs Based on your income. If your income is less than $11,490 ($23,550 for a family of four) and you don’t qualify for Medicaid, You may still qualify for the lower cost of coverage.

  3. If you are an “qualified noncitizen” and meet state income eligibility rules, you are generally eligible for Medicaid and the Children’s Health Insurance Program (CHIP). See List of ‘Eligible Non-Citizens’ Status.

  4. A five-year waiting period may be required to obtain Medicaid and CHIP coverage. This means that he will have to wait five years after receiving “qualified” immigration status before being eligible for Medicaid and CHIP. See the list of exceptions to the 5-year waiting period and other important details.

  5. Many immigrant families are “mixed status” and members have a variety of immigration and citizenship statuses. Mixed status families are eligible dependents for marketplace coverage or Medicaid and CHIP coverage You can apply for a tax credit or private insurance copayment reduction for Family members who have not applied for health insurance themselves will not be asked if they have eligible immigration status.

  6. Federal and state marketplaces, and state Medicaid and CHIP agencies may not require you to provide information regarding the citizenship or immigration status of family or household members who have not applied for coverage.

  7. The state cannot deny your benefits because an unapplicable family member or household member has not provided citizenship or immigration status.

  8. Information you provide to Marketplace will not be used for immigration purposes.

  9. If you don’t qualify for Marketplace coverage or can’t afford health insurance, you can: Get low-cost health care at a nearby community health centerCommunity health centers provide primary health care services to all residents, including immigrant families, within the health center’s service area.



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