Insurance options

[hope2018 25]

My sister is an international student but she recently got her green card through my dad. We would like to purchase a cheap commercial insurance for her just in case of emergency. She is 28 years old and very healthy. She still goes to school full time and only work part time in campus so she does not qualify for insurance through employer. What are some cheap insurance options for green card holder? TIA

[Boiler 45,657]

She needs to go on the local Exchange web site and review the options available to her.

[hope2018 25]

6 minutes ago, Boiler said:

She needs to go on the local Exchange web site and review the options available to her.

Is it the healthcare.gov? 
Is it considered public charge to buy insurance through healthcare.gov ? 

Edited September 7, 2019 by hope2018

[Boiler 45,657]

Some States have there own.

 

Not a public charge, just a purchase option.

[USS_Voyager 1,972]

On 9/6/2019 at 9:07 PM, hope2018 said:

Is it considered public charge to buy insurance through healthcare.gov ?

No, not a public charge.

[hope2018 25]

Thank you everyone. After she created an account on marketplace, it said she is qualified for tax credits to help with monthly insurance premium. I selected no because I am scared to use any kind of assistance, is tax credits to help with insurance premium considered public charge?

[millefleur 5,047]

17 hours ago, hope2018 said:

Thank you everyone. After she created an account on marketplace, it said she is qualified for tax credits to help with monthly insurance premium. I selected no because I am scared to use any kind of assistance, is tax credits to help with insurance premium considered public charge?

If she's already a GC holder, she can use the tax credits for Obamacare. Tax credits are currently not considered a public charge issue ("means tested benefit") according to current law.

 

https://www.healthcare.gov/immigrants/lawfully-present-immigrants/

 

Lawfully present immigrants and Marketplace savings

If you’re a lawfully present immigrant, you can buy private health insurance on the Marketplace. You may be eligible for lower costs on monthly premiums and lower out-of-pocket costs based on your income.

• If your annual income is 400% of the federal poverty level or below: You may be eligible for premium tax credits and other savings on Marketplace insurance.
• If your annual household income is below 100% federal poverty level: If you’re not otherwise eligible for Medicaid you’ll be eligible for premium tax credits and other savings on Marketplace insurance, if you meet all other eligibility requirements.

 

Edited September 14, 2019 by millefleur