We have been looking through the fine lines of the Affordable Care Act trying to find a solution to the Family Glitch where low income employees are forced to accept the employer’s health insurance plan and end up paying 30-70% of their income to cover their family for a health plan simply because they do not qualify for assistance on the health exchange, No more; A well-educated employer can help his employees get the coverage they need at rates they can afford while saving lots work hours dealing with all the related administrative work. Talk to us today and let us show you how the numbers crunch 209-812-4026.
If you are an immigrant to the United States, did you know that you are also required to have health insurance? Under the Affordable Care Act, US citizens, US Nationals, and lawfully present immigrants are required to have health insurance or be subject to tax penalties.
So what is a lawfully present immigrant?
• U.S. citizens and U.S. nationals.
• Lawful permanent residents or (“green card holders”).
• Lawful temporary residents.
• Persons fleeing persecution, including refugees and asylees.
• Other humanitarian immigrants, including those granted temporary protected status.
• Non-immigrant Status holders (including worker visas and student visas).
There are a few health insurance exemptions for immigrants but the laws are quite clear regarding status.
Health Insurance Eligibility for Immigrants
For lawfully present immigrants, you can apply through Covered California to see if you are eligible for coverage through the providers or for coverage through Medi-Cal.
For immigrants who fall under the not lawfully present status, you can apply for basic coverage through Medi-Cal. Private insurance may also be an option for you.
Families with mixed immigration statuses may also apply for health insurance coverage through Covered California. Whether you are not lawfully present but have family members who are, or if your family members are not lawfully present and you are, all can be considered for coverage.
Covered California will only ask for the status of the person(s) applying for coverage. This will be used only to confirm eligibility for health insurance. It will not influence immigration status.
For more in-depth details and any questions that you may have regarding eligibility, give me a call for an appointment. I can help you walk through the process and determine your options for health insurance coverage either through Medi-Cal or a Covered California health provider.
Know someone that needs insurance? Chances are I can help them too! I work with many insurance companies for the best options, no matter your immigration status.
We all know that carrying some sort of health insurance is required in the USA now. With so many different plans that are available, finding the perfect fit is so much easier.
We talked about qualified life events in a past article and how they can help you obtain health insurance during other times other than open enrollment. But did you know that not having insurance for three months or more can cause you to be penalized in tax liabilities?
Changing plans does not have to be a difficult task. If you have a qualified life event, you can easily change plans, add or drop dependents, and make other changes any time during the year. Or you can use open enrollment to make your changes. Either way you do it, you must plan your modifications or changes in order to not have gaps in your insurance coverage.
There are a few reasons that you want to plan your changes to avoid gaps. The main ones are:
- Moving from one plan to another may cause pre-existing conditions to not be covered
- Having a gap in coverage could cause a tax implications
So what do you need to do to make sure that your health coverage in full effect?
- Monitor your plan changes and determine when the best time is to make changes if you need to make changes mid stream.
- Utilize open enrollment to its full potential.
- Utilize qualified life events to make changes.
No one wants to pay more in taxes. Make sure that you have some sort of coverage for at least 9 or more months of the year (less than 3 consecutive months).
Not sure if you are required to have health insurance? Check out the article on tax penalties and see if you are exempt. Or call me and together we can make sure!