How does immigration affect health insurance eligibility?

On Behalf of | Oct 31, 2024 | Immigration |

Immigration status can affect whether someone can get health insurance. In the United States, programs like Medicaid or marketplace plans have different rules depending on a person’s immigration status. 

Knowing how these rules work is important for immigrants who need health coverage.

Eligibility for public health insurance programs

Whether individuals can get public health insurance like Medicaid depends on their legal immigrant status and how long they have been in the country. People with green cards might be able to get Medicaid, but they usually have to wait five years. Some immigrants, like refugees or asylees, may be able to get Medicaid without waiting.

Access to marketplace health plans

Undocumented immigrants cannot get health insurance through the federal marketplace. However, immigrants who are in the country legally can buy insurance through the marketplace and may qualify for discounts to help lower the cost. How much help they get depends on their income and family size, so it is important for immigrants to understand their choices.

State-specific programs for immigrants

Texas provides limited emergency Medicaid for undocumented immigrants, which covers emergency medical conditions, including labor and delivery. These state programs can help those who do not qualify for federal help get the health coverage they need.

Navigating health insurance options

Immigrants can get help from healthcare navigators or community organizations to understand their health insurance options. These resources can help them figure out what they qualify for and guide them through the application process. Knowing how immigration status affects health insurance is important for getting the coverage needed to stay healthy.

Finding the right health coverage

Health insurance eligibility for immigrants can be complicated, but understanding the different options can help them make good choices.