? How do I get health insurance in America
Going to the doctor or hospital can cost a lot of money in the United States. This is why it is important to have health insurance. Learn about what health insurance is, how to get health insurance, different types of government programs (Medicaid, Medicare, CHIP, WIC), health insurance at your workplace, paying for insurance yourself, the Affordable Care Act, and insurance for college students .
How can I obtain health insurance?
In the United States, you can:
Obtaining coverage through government (public health) insurance programs, or
Obtaining insurance through your job with the help of your employer, or
Buy your own insurance.
To have coverage is the same as being insured. Both mean that you are protected from having to pay large medical bills.
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Government health insurance programs
Medicaid
Medicaid is a public health program run by the state where you live. The program provides insurance for elderly and disabled individuals, children, pregnant women, and some low-income families. Some refugee families will receive Medicaid when they first arrive in the United States.
If you are undocumented and your children are US citizens, they may qualify for Medicaid.
Eligibility for Medicaid varies by state. Learn more about Medicaid.
IMPORTANT NOTE: In March 2021, the Department of Homeland Security issued a statement that it will not consider the use of Medicaid (except for Medicaid for long-term institutions), public housing, or SNAP benefits as general charges in immigration petitions.
Medicare
Medicare is a public health program administered by the US government. Medicare insurance is available to all adults age 65 and over and to disabled citizens of all ages. Medicare offers a plan to help with prescription drug costs.
CHIP
The Children's Health Insurance Program (CHIP) pays for health care for low- and middle-income families with young children. CHIP is a good program because it pays for doctor's appointments and medical care for your children.
It is important for refugee families to take their children to the doctor for annual check-ups and vaccinations.
If you are undocumented and your children are US citizens, they may be eligible for CHIP.
WIC
Women, Infants, and Children (WIC) is a state-by-state healthcare program that specifically helps children under five years of age, pregnant women, and nursing mothers. The program focuses on food and nutritional supplies and improving access to health care and social welfare services.
Workplace health insurance
When you are looking for a job, you should try to find one that provides health insurance. This will help your family. The employer pays most of the cost and the employee pays a small amount. For an additional fee, employees can usually choose to include a spouse and any children they have in the same insurance plan.
If you leave your job, you may be allowed to maintain insurance coverage for a period of time, through a government plan called COBRA. COBRA is only for a short period, after which you may have to pay the full premium on your own, but you will remain covered by the insurance plan between jobs.
Paying insurance costs without an employer
If you do not have an employer that offers health coverage, and if you do not qualify for a government program, you will have to purchase private health insurance. This type can be expensive. You may be eligible for help with your insurance premiums through the Affordable Care Act.
Affordable Care Act
The Affordable Care Act (ACA), also called "ObamaCare," requires most US citizens and legal residents to have health insurance. But it also allows you to buy health insurance at a lower cost with help from the government.
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