BREAKING NEWS! New immigrants have health insurance requirement before entering the US

Insurance for Green Card holders
In October 2019, the US government has introduced a new rule the Trump administration making it mandatory for new immigrants to the United States to have proper US health insurance.

They must show the ability to pay for medical costs when they become permanent residents of the US. The proclamation which will become officially effective on November 3 has ordered consular officers be sure applicants will be covered by good US immigrant health insurance or show they have the financial resources to pay for future medical costs.

For many people, this will mean they must have new immigrant health insurance for their stay in the United States. This can be a tricky situation since, as my clients inform me, the dates for interviews can be far into the uncertain future, and, technically, there are no official rules of coverage for the insurance as yet (as compared to insurance required for the Schengen visa). Fortunately, we have many affordable US immigrant health insurance options available to new immigrants into the US. I have had many calls and emails regarding this type of insurance, so this new rule is already impacting individuals applying for a Green Card from abroad for entry into the US.

A great option, if available and affordable, is to get a global or international health insurance. These policies are not guaranteed and must go through the underwriting process of the company, but once you are approved, you will have reliable health insurance year after year. In fact, after the first year, the coverage will be what we call "major medical coverage" which will even cover wellness doctor visits and can cover pre-existing conditions (if disclosed on the application and not specifically excluded by the policies). However, you cannot be older than 64 to start on one of these policies and, if you do have a medical condition, they may not accept you on a policy. Also, you must sign up for a whole year at a time. They may allow you to cancel your policy, but that will be at the company's discretion.

Additional benefits from the global plans is you can choose to start them at a future date (and move it, if your actual arrival date into the US changes or continues to be uncertain). You can sign up to pay for them monthly, quarterly, biannually, or annually. And, once you are on a plan, you are guaranteed coverage year after year even should you get some condition that requires continuous treatment. Furthermore, if you are still traveling, it will cover you anywhere in the world you go even if it is back to your home country.

If this long-term option is not a good one for you, there are, so-called, short term options also available. These are good for filling the gap between your coverage while you wait to get a job (or your job may make you wait to sign up onto their plan -- 3 months is fairly standard) or some other coverage after you get to the US. You can compare short term US visitor insurance. The advantages to these is they are guaranteed regardless of your current health (no medical questions) and you can purchase them for less than a year if needed. You can buy a minimum of 5 days and have a policy up to a year (sometimes 364 days), but you can also extend a policy after a year. Also,you can push the dates of a policy back if you need to as long as the policy has not started yet.

The disadvantage of the plan is they do not cover pre-existing medical conditions (you can find some that cover only "acute onset" of pre-existing conditions) and exclude some conditions and diseases (maternity and HIV, as examples). Also, whatever dates you put on the policy, you must pay for immediately. You cannot make monthly payments on a plan. Payment are made with a credit card (Visa, Mastercard, Discover are most commonly accepted, some take American Express, Diner's Club, and echecks).

With any policy that you purchase, you will immediately get a confirmation email from the company with your receipt and documents for the policy. Included in the documents are ID cards for all persons on the policy and most policies will have a "visa letter" available to download as well as the long, certificate of insurance. Also, all policies are good at any doctor or hospital in any state of the US and coverage will move with you should you change your US address in the future.

We hope that we can help you get through this additional hurdle to your immigration into the US. Please call us or email us with any questions you may have. We are here to help! Hope to see you state-side soon!

Please contact our licensed agents at 877-340-7910 or at, and we will provide possible plan options
Comprehensive plans pays for all expenses after the deductible and co-insurance component and are recommended given the high costs of health care in the US.
Visit USA Standard by Travel Insurance Services
Maximum coverage#1
Key Features:  Standard Plan offers coverage for unexpected illness and injury along with travel assistance benefits. More...
$33.79 PER MONTH
Patriot America Plus by International Medical Group
Maximum coverage#1
Pre-existing conditions/ Covid coverage
Eligibility Under 65 years of age plan must be bought within 6 months of arrival in US. Over 65 years of age plan must begin within 30 days of arrival
Key Features: Great coverage for a great price. Offers coverage for pre-exixisting conditions upto plan maximum. More...
$37.00 PER MONTH
Atlas America by TokioMarine HCC
Maximum coverage#1
Key Features: Always eligible for purchase no matter what age and how long a person has been in the US More...
$42.16 PER MONTH
Fixed benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Visitor's Care by International Medical Group
Maximum coverage#1
Eligibility Over 65 years plan must begin within 30 days of arrival in the US
Key Features: Coverage for pre-existing conditions regardless of age More...
$38.00 PER MONTH
Inbound USA Choice by Seven corners
Maximum coverage#1
Eligibility Plan must be bought within 12 months of arrival in US
Key Features: It covers acute onset of pre existing condition up to the age of 79. More...
$49.91 PER MONTH
INF Standard by INF
Maximum coverage#1
Eligibility The minimum enrollment is 30 days for INF Standard
Key Features: This is the only insurance for visitors which covers Urinary Tract Infection. More...
$63.55 PER MONTH

#1 Maximum Coverage is the maximum eligible medical expenses that the plan will cover.

#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

US Health insurance for new immigrants are long term plans, some being renewable even up to three years. They cover medical expenses incurred during sudden illness or injuries. Some plans like the Geo Blue Explorer can also cover pre-existing medical conditions and preventive care, but policy issuance is not guaranteed and needs have an underwriting approval.

Which category of Green card holder are you?

USA health insurance for New US immigrant insurance

Immigrant Plans - Long term Plans

Perfect for people planning on immigrating to US but not yet left their home countries. Click here to read more

Green Card Holders Frequently traveling overseas

Green card holders who travel frequently to their home country. Click here to read more

Recent US Immigrants

New US immigrants who can be parents or family members or Fiancee (K visa) visitors. Click here to read more

Green Card Holders permanently living in US

Compare Green card holder insurance plans who may not immediately qualify for US domestic health insurance. Click here to read more

Applied for Green Card and waiting

Parents who have applied for Green Card and are waiting for approval can buy these insurance plans. Click here to read more

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