3 Best Health Insurance for Immigrants in USA

Update: On October, 2019 President Trump has issued a proclamation that will deny visas to new immigrants to USA, who does not have health insurance. (Source)

During a US Citizenship and Immigration Services (USCIS) naturalization ceremony in Los Angeles, attended by some 4,000 immigrants, President Trump welcomed them into the “American family” and urged them to help others assimilate and remain loyal to their new country, according to an article published by US News on September 20, 2017.

Regardless of changing immigration policies in recent times, the reality is that migrating to the Land of Dreams is an aspiration for many all across the world. According to data published by the Center for Immigration Studies in 2016, the US witnessed the arrival of 42.4 million immigrants, which included both legal and illegal immigrants. This number was the highest US has seen in its history.

As a US immigrant who has just received their green card or are in the process of getting one, these new residents need to stay protected by means of a travel medical insurance in the US. The reason for this is that these new immigrants need health insurance, but they are not yet eligible for US Medicare or federal and state benefits like Medicaid or MediCal.

Even green card holders who either live in America, or live outside of the US and will be visiting the country for a short duration, need to invest in a domestic health insurance policy, based on their eligibility, until they are eligible to enroll in the US domestic healthcare.

However, finding the right type of health insurance can be a daunting task for new immigrants or green card holders. I have narrowed the available options and have come up with a list of four top-rated health insurance plans for new residents in the US for up to 3 years or more.

Best Health Insurance for Immigrants in USA

Here are the best health insurance plans for immigrants in USA.

Bridge Plan

Offering senior citizens the perfect option to cover the transition period between traditional insurance and Medicare, Bridge Plan also offers coverage in two ways, Part A and Part B, just like Green Cover.

Under Part A, hospitalization, hospice, nursing and home health care expenses are covered, whereas under Part B, ambulance charges, costs of physicians and surgeons, and other medical expenses are covered.

Visitors Care

Administered by IMG Global and underwritten by Sirius International, Visitors Care protects you during your short term stay in the US, as a new immigrant.

Visitors Care Features

Type of PlanLimited Coverage
Administered ByIMG
UnderwriterSirius International
Min. Coverage5 Days
Max. Coverage1 Year
Coverage AreasUSA, International
For Visa TypesB1/B2
Available forUS Residents, Non US Residents, US Visitors
ProviderFirst Health Network
Restricted StatesMaryland
Acute On-Set of Pre-Existing ConditionsOptional

Patriot America Plus

Patriot America Plus is a comprehensive plan administered by IMG Global and underwritten by Sirius International. It offers coverage from minimum 5 Days to 364 Days for visitors and new immigrants in USA (Non USA residents).

Patriot America Plus Benefits

Type of PlanComprehensive
Administered ByIMG
UnderwriterSirius International
Min. Coverage5 Days
Max. Coverage2 Years
Coverage AreasUSA, International
For Visa TypesB1/B2
Available forNon US Residents, US Visitors
ProviderUnited Healthcare
Restricted StatesNone
Acute On-Set of Pre-Existing ConditionsCovered

Make sure to compare difference policies and read their terms and conditions carefully to make an informed choice of insurance.

Got questions? Please ask in comments below.

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About the author

Mani Karthik

As an NRI (Non-Resident Indian), I've lived in the USA, India & Middle East for over a decade, in over 6 cities like Mountain View, Dubai, San Jose, Fort Lauderdale, Kochi, and Chennai. I've worked for small and big companies and recently started my own startup. On this blog, I share everything I've learned in life, living abroad as an NRI with my roots in India. Everything from personal finance to immigration. I'm on a mission to help all NRIs return to India. WhatsApp me at +001-408-489-4785 if you have questions.

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Having lived in the USA, India and UAE, I share everything that I’ve learned in life. My aim is to help people by sharing whatever I know, through this blog. Come join my pursuit in becoming a smarter, richer & happier person! About Me!