Most people are not that familiar with the American healthcare system. Also, those people who are residents of America are not that familiar with the healthcare system.
And as a matter of fact, health insurance for H1-B visa holders is a topic that is hard to digest even for the citizen of the US countries as well.
I am an H1-B Visa Holder, So, Do I Need to get Health Insurance in the US Countries?
If you are a person that is regularly working and living in the US country and also, you are an H1B visa holder, so, take a note, you must have to get health insurance done on your side.
However, to have health insurance is not a compulsion over there, but it is your need to have a support system like that. Because in the US countries, we all know that, living there is an expensive thing for most people.
And in addition, if you and your family led into some serious injury or health disease then it would be killing your pockets.
You may not be able to get proper treatment as a result. While living in a country like the US, you never going to be adequate with expenses. So, having health insurance on your side is a practical option for you, and also, it would be supportive to have one.
However, when it comes to the private H1B health insurance, is not ACA compliant. Then you would have to fit into the criteria:
- Although you would not be eligible to have ACA-compliant medical insurance if you don’t have your H1B visa. It is mandatory to have an H1-B visa if you want to get ACA-compliant medical services.
- However, your employer is not going to offer you a group of health insurance. You won’t be able to find suitable health insurance that will fit you correctly.
You Can Compare the Plans
If you are a proper resident of the US country, so you will be having your family members there too. Then you have to purchase health insurance for your family members as well. Otherwise, you will need to purchase health insurance that will be able to add your family members too to your single health insurance.
If you have your spouse and children with you, then you can add them to your health insurance plan. Or you can get health insurance for your dependents.
In addition to this, they can apply for a green card too. Once you and your family members become eligible in order to take advantage of a green card, then you will need to purchase a good medical insurance plan for a green cardholder.
What are the Types of H1B Health Insurance?
However, there is a total of two types of H1B Health insurance. The first is, short-term insurance and the second is, long-term (domestic) insurance.
Short-term H1B Health Insurance Policy
Although if you have gotten your H1B visa recently, then still, you are supposed to be considered as a visitor or as a temporary resident of the country. And according to new rulings of US law, you won’t be qualified to get ACA-compliant health insurance coverage.
So, during this time, you will need to purchase a short-term H1B health insurance plan for yourself and for your family. You will need to purchase it from a private company.
After 6-10 months, you will receive your H1B visa, then you will be registered as a permanent resident of the US. And then you can get a long-term domestic plan for yourself and your family.
Long-term (domestic) H1B Health Insurance
After 6-10 months, you will receive your H1B visa, then you will be registered as a permanent resident of the US. And then you can get a long-term domestic plan for yourself and your family, as we can see above in the article.
In addition to this, you will be eligible for the ACA-compliant H1B health insurance too. Because you will be considered a resident alien for tax purposes. But only if you don’t have a green card.