At American Visitor Insurance, we specialize in offering high quality short-term health insurance plans for Green card holders in the US. Working with trusted American insurance companies, we provide flexible coverage options to match a variety of needs, including those with pre-existing conditions or emergency care requirements. Travelers can now easily find the best insurance for green card holders to fit their requirements. After filtering to find the best options, US visitors can compare details, get quotes and buy the best health insurance for visitors online.
If you are a new green card holder or a recent permanent resident in the U.S., navigating health insurance options can be overwhelming. Many immigrants face a gap before they become eligible for ACA marketplace plans, Medicare, or employer-sponsored coverage. Short-term health insurance like the plans offered in American Visitor Insurance is an excellent solution for covering medical needs during this transition period.
These plans provide flexible, low-cost protection for unexpected illness or injury, hospitalization, emergency room treatment, and more.
Short-term health insurance is particularly useful for Green card holders who suddenly become temporarily uninsured. A closer examination of the most important groups who can gain the most from it is described below:
New U.S. immigrants: Green card holders who have recently arrived in the U.S. may face unique challenges. They tend to enter the country during the off-season for ACA open enrollment, rendering marketplace plans out of reach. Without immediate work, they will also be without employer-sponsored insurance. Getting acclimated to the U.S. healthcare system for the first time can be overwhelming, so short-term medical insurance provides welcome peace of mind during this period of adjustment.
Returning Green card holders: Many permanent residents spend extended time abroad and return to the U.S. without active health coverage. When they re-establish residency and change their status, they might need temporary protection against unforeseen medical costs. Short-term plans effectively fill this gap in coverage.
Early Retirees (Under Age 65): Green card holders who retire earlier than when they become eligible for medicare tend to have a coverage gap. If they are not yet age 65. If they are not eligible for Medicare and do not have access to an employer plan through a spouse or COBRA (Consolidated Omnibus Budget Reconciliation Act), short-term insurance is an economical option until Medicare takes over.
Dependents of Green card holders: Spouses and children of Green card holders may encounter varying eligibility for ACA or employer-sponsored coverage. Newly arrived individuals might not be immediately eligible for Medicaid or for ACA subsidies. Short-term insurance provides flexible protection for dependents while traveling, studying, or waiting for information on immigration status.
Medical insurance cost for Green card holders varies based on several factors such as the age, medical maximum coverage, deductible for the plan, and the coverage for pre-existing conditions. There are cheap Green card holders health insurance plans starting at $38 per month.
| Travel insurance USA | Coverage | Deductible | Provider Network | Cost # |
|---|---|---|---|---|
| Safe Travels Advantage Trawick International | $25,000 | $0 | First HealthCare | $38 |
| Safe Travels Elite Trawick International | $25,000 | $0 | First HealthCare | $50 |
| INF Standard X INF | $50,000 | $250 | United HealthCare | $76 |
| Patriot America Lite IMG | $50,000 | $250 | United HealthCare | $155 |
| Safe Travels USA Trawick International | $50,000 | $250 | First HealthCare | $160 |
| Patriot America Plus IMG | $50,000 | $250 | United HealthCare | $173 |
| Safe Travels USA Comprehensive Trawick International | $50,000 | $250 | First HealthCare | $224 |
| Diplomat America Global Underwriters | $50,000 | $250 | No PPO | $262 |
| INF Safe Traveler USA X INF | $150,000 | $500 | United HealthCare | $341 |
| Patriot Platinum IMG | $1M | $250 | United HealthCare | $414 |
# Approximate cost of Green Card holders health insurance is for a 65-year-old parent or seniors for a duration of 1 month. Source: AMERICAN VISITOR INSURANCE®
Green Card Holders (lawful permanent residents) can qualify for Medicare if they meet certain requirements related to age, residency, and work history.
To be eligible for Medicare, Green Card Holders must meet the following conditions:
If you haven't paid Medicare taxes for 10 years and don't qualify for premium-free Part A, you'll need to buy Part A and also pay premiums for both Part A and Part B. For 2025, if you've worked less than 30 quarters, the Part A premium is approximately $518. If you've worked 30-39 quarters, the premium is about $285. Part B, which covers outpatient care and preventive services, will have a standard monthly premium of about $185 in 2025.
Your Initial Enrollment Period lasts for 7 months which starts 3 months before your 65th birthday month, then includes the month of your 65th birthday and finally ends 3 months after your birthday month. If you miss your Initial Enrollment Period, you can sign up during the General Enrollment Period, which runs from January 1 to March 31 each year. You may face a late enrollment penalty for Part B (and sometimes Part A) if you delay enrollment without having other creditable coverage (such as employer insurance). You may qualify for a Special Enrollment Period if you delayed enrolling in Medicare due to having other creditable coverage (e.g., through an employer or union).
All short-term health insurance plans are not the same, and selecting the best one is based on your individual circumstances. Green Card holders need to look at the following important factors when considering coverage options:
Before choosing a plan, review your medical history and any chronic health conditions:
The duration of your planned stay will influence the type of plan you will require:
Consider the trade-off between premium and out-of-pocket costs
Yes. Green card holders can buy short-term health insurance, particularly if they are briefly without ACA-compliant or employer-sponsored coverage. It's a temporary solution while awaiting more lasting coverage.
Certain plans do have limited worldwide coverage, most often for emergencies. However, if you're going abroad quite often, consider a travel medical plan instead. Always verify geographic coverage under your plan.
You can sign up for an ACA plan during open enrolment or following a qualifying life event (e.g., job change, permanent relocation). For Medicare, you have to sign up at age 65 or qualify. Short-term plans will not keep you from applying later but won't be applied toward previous coverage requirements.
You can easily compare multiple short-term health insurance options for Green card holders on American Visitor Insurance. These allows the users to evaluate multiple insurance plans side by side, filtering options based on deductible levels, coverage benefits, insurance providers, and overall cost. For further assistance or to speak with a licensed representative, you may contact their customer support at 877-340-7910.
Yes, you can obtain health coverage while your Green card application is pending. Based on your immigration status and where you live, you can get some health plans through the ACA Marketplace, an employer, or private insurance—even short-term or visitor insurance. But eligibility for government-assisted plans can be restricted until your status is granted. Short-term insurance is a good idea to remain covered in this waiting period
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