Best Health Insurance Reviews for Green Card Holders
Compare health insurance options for Green Card holders in the USA with the help of verified customer reviews. Explore plans from trusted insurance companies, compare benefits, coverage, and costs, and find a policy that meets your healthcare needs while living in the United States.
Whether you're a new permanent resident, a senior waiting for Medicare eligibility, or looking for temporary coverage before enrolling in an employer-sponsored health plan, you can compare plans, read real customer experiences, and purchase coverage online with confidence.
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American Travel Insurance Reviews
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What are the Best Health Insurance for Green Card Holders?
International Medical Group (IMG) Travel Insurance Reviews
Patriot America Lite Insurance Comprehensive
Comprehensive5 days to 364 days★ Sirius International
from
$97.65
/month
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AM Best Rating: A (Excellent)
Plan Life: 5 days to 364 days
Underwriter: Sirius International
Acute Onset of Pre-existing Conditions: Covers up to age 70 years
Coinsurance: In Network: Plan pays 100% up to policy maximum. Out of Network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum limit.
Direct Billing: Through First Health Care Network or UnitedHealthcare
Comprehensive5 days to 364 days★ Sirius International
from
$98.43
/month
▼
AM Best Rating: A (Excellent)
Plan Life: 5 days to 364 days
Underwriter: Sirius International
Acute Onset of Pre-existing Conditions: Covers up to age 70 years
Coinsurance: In Network: Plan pays 100% up to policy maximum.
Out of Network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum limit.
Direct Billing: Through First Health Care Network or UnitedHealthcare
Acute Onset of Pre-existing Conditions: Covers up to age 70 years
Coinsurance:
In Network: Plan pays 100% up to policy maximum.
Out of Network: Plan pays 90% of eligible expenses up to $5,000, then 100% up to the maximum limit.
Direct Billing: Through First Health Care Network or UnitedHealthcare
Comprehensive5 to 364 days★ Zurich Insurance Europe AG Belgian Branch
from
$107
/month
▼
AM Best Rating: A (Excellent)
Plan Life: 5 to 364 days
Underwriter: Zurich Insurance Europe AG Belgian Branch
Pre-existing Condition: Covers unexpected recurrence up to $1,000.
Coinsurance:
In Network: Pays 90% of coinsurance for the first $2,500, then 100% up to the policy maximum.
Out of Network: Pays 90% of coinsurance for the first $2,500, then 100% up to the policy maximum.
Advantages:
Available for Green Card holders, optional riders for sports activities, AD&D, return to home country and hazardous activities, with 80% coinsurance for the first $5,000 of covered expenses then 100%.
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Disadvantages:
Not available for travelers residing in the U.S. for more than 365 days before the effective date. Does not include COVID-19 coverage.
Advantages:
Available for Green Card holders. Optional riders available for sports activities, AD&D, return to home country, and hazardous activities. Provides comprehensive medical coverage with 100% coinsurance up to the policy maximum.
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Disadvantages:
Not available to travelers residing in the U.S. for more than 365 days before the effective date. Does not include trip cancellation coverage.
Advantages:
Includes Emergency Medical Evacuation, Repatriation of Remains, AD&D, Trip Interruption, and Emergency Dental benefits. Pays 80% of covered expenses up to $5,000, then 100% up to the selected policy maximum.
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Disadvantages:
Not available for travelers outside the U.S. Includes a 24-month exclusion period for pre-existing conditions before coverage begins.
Advantages:
Excellent choice for Green Card holders and seniors. Covers many pre-existing medical conditions from day one and provides comprehensive medical protection while waiting for Medicare or employer health insurance.
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Considerations:
Premiums are higher than basic visitor insurance plans, especially for older travelers, but offer broader benefits and pre-existing condition coverage.
Advantages:
Provides day-one coverage for pre-existing conditions, accepts applicants up to age 99, includes access to the United Healthcare PPO Network, and offers flexible policy maximums and deductibles.
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Considerations:
This is a fixed benefit plan, so it pays scheduled benefit amounts rather than covering all eligible medical expenses like a comprehensive plan.
Advantages:
Provides comprehensive medical coverage, access to the United Healthcare PPO Network, acute onset coverage for pre-existing conditions, and free worldwide telehealth services.
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Considerations:
Acute onset coverage for pre-existing conditions is available only up to age 85 and does not provide full pre-existing condition coverage.
Travel Medical Insurance for Green Card Holders in the USA 2026
Green Card holders can be categorized as follows - find your situation below to understand which type of coverage suits you best.
Frequent traveler
Green Card holders who travel often between the U.S. and their home country
If you have not yet settled permanently in the U.S., it is strongly recommended to buy best U.S. travel health insurance for coverage while in the U.S. These plans typically cover:
Emergency medical treatment
Urgent care and hospitalization
warningNote: These plans don't cover preventive care (like checkups or vaccinations) and have limited coverage for pre-existing conditions.
Permanent resident
Green Card holders living permanently in the U.S.
If you live permanently in the U.S., your options depend on age:
Below 65 years: Eligible for domestic plans (like Blue Cross, Blue Shield) usually after 6 months of residence.
Above 65 years: If not yet eligible for Medicare, consider INF, Trawick and IMG insurance plans for seniors.
lightbulbTip: Buy short-term travel health insurance to bridge the gap until domestic eligibility.
New immigrant
New Green Card holders or new immigrants
New immigrants (such as parents or family who recently arrived) can buy visitor health insurance based on their stay duration - until they qualify for domestic plans.
This is a flexible, short-term bridge solution with no long-term commitment required.
Pending application
Applicants waiting for their Green Card
If your Green Card application is in process, purchase visitor insurance for coverage during the waiting period until you become eligible for U.S. domestic health insurance.
Coverage can typically start the same day or next day after purchase.
Quick Finder
Find Your Green Card Coverage in 2 Steps
Answer two quick questions to get a plan matched to your exact situation.
Which best describes your situation?
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Frequent Traveler
Splitting time between USA and home country. Primary home still abroad.
house
New US Resident
Settled in the USA, waiting for employer or marketplace coverage to begin.
elderly
Senior 65+ (Pre-Medicare)
Older parent or senior waiting 5 years to qualify for Medicare.
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Application Pending
Green Card not yet approved - need temporary coverage during the wait.
Health Insurance Options for Green Card Holders in the USA
Purchasing Green Card Holder Medical Insurance depends on the specific situation of the Green Card Holder. The following are the main health insurance options:
Employer Sponsored Insurance: Any Green Card Holder who has a regular job should try to get health insurance through their employer. Employer offered health insurance is more affordable as it is part of a larger group insurance.
Visitor Medical Insurance: US insurance providers offer visitors insurance for Green Card holders till they are eligible for insurance either through an employer or domestic US health insurance and Medicare.
Medicaid: Green Card holders may be eligible for Medicaid - a state and federal program that provides health coverage for low-income individuals and families.
US Medicare: Green Card holders who have lived in the U.S. for at least five years may be eligible for Medicare once they reach age 65 or meet certain disability criteria.
Compare Green Card health insurance on American Visitor Insurance to find a plan that best suits your needs and budget.
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Insurance Costs
How Much Does Health Insurance Cost for Green Card Holders?
The cost of health insurance for Green Card holders in the U.S.
varies depending on factors such as age, coverage amount, deductible, and whether the plan includes pre-existing condition coverage. Typically, premiums range from $44 to $403 per month.
Whether you are a new permanent resident or a long-term Green Card holder, compare plans to find one that offers:
Comprehensive coverage for emergencies and preventive care
Affordable premiums that fit your budget
Access to quality healthcare providers across the U.S.
Approximate cost of health insurance for Green Card holders from India for a 30-day coverage period (INF plans shown for a 90-day coverage period). Source: American Visitor Insurance®
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Affordable Plans
Which Is the Cheapest Travel Health Insurance For Green Card Holders In the USA?
The cheapest travel health insurance for Green Card holders in the USA includes plans like Safe Travels Elite, Patriot America Lite, and Safe Travels USA Cost Saver, with prices starting from around $25/month. These budget-friendly options are ideal for cost-conscious travelers seeking basic to comprehensive coverage.
Unexpected recurrence of pre-existing up to age 70
What Is the Best Travel Medical Insurance for Green Card Holders in the USA?
The best health insurance for Green Card holders in the USA includes top rated plans like Patriot America Plus, Safe Travels USA Comprehensive, Diplomat America, Patriot Platinum all offering comprehensive coverage with access to PPO networks and essential benefits such as hospitalization, emergency care, medical evacuation, and coverage for the acute onset of pre existing conditions.
From / month$74Age 45 · $50,000 maximum and $250 deductible
Patriot America Plus is a top-rated health insurance plan for Green Card holders and international visitors, offering comprehensive coverage for hospitalization, emergency care, medical evacuation, and acute onset of pre-existing condition.
Covers acute onset of pre-existing conditions under age 70.
From / month$91Age 45 · $50,000 maximum and $250 deductible
Safe Travels USA Comprehensive is a top temporary health insurance plan for Green Card holders, covering unexpected illnesses, accidents, and acute onset of pre-existing conditions up to age 89, including cardiac and stroke-related benefits.
Covers acute onset of pre-existing conditions up to age 89.
Covers emergency evacuation up to $1,000,000.
Urgent care available with a copay of up to $30 per incident.
From / month$102Age 45 · $100,000 maximum and $250 deductible
SafeVista Traveler is a travel medical insurance plan designed for non-U.S. residents aged 85 and under traveling outside their home country. It is an excellent choice for Green Card holders seeking well-rounded comprehensive coverage while staying in the USA.
Covers acute onset of pre-existing conditions up to 85 years.
Covers emergency evacuation up to $25,000.
Urgent care is available with a copay of up to $25.
Travel Health Insurance for Elderly Immigrants in the USA
At American Visitor Insurance, we offer affordable travel health insurance for senior immigrants in the USA. Protect immigrant parents and elderly Green Card seniors over 60 years with coverage for medical emergencies, hospitalization, and pre-existing conditions. Find the best senior immigrant travel medical insurance for pre-existing conditions, offer flexible policy durations that fits your budget and health care needs.
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Frequently Asked Questions
Green Card Medical Insurance FAQs
The Affordable Care Act (Obamacare) previously required most U.S. residents to maintain health insurance coverage. Although the federal individual mandate penalty has been removed, having health insurance remains highly recommended because healthcare in the United States is very expensive. Even a routine doctor's visit can cost hundreds of dollars, while hospitalization may cost thousands.
Green Card Holders can purchase medical insurance through American Visitor Insurance if they are not covered by an employer-sponsored health plan or are not yet eligible for Medicare or other domestic insurance. These plans provide protection against unexpected medical expenses but generally do not include preventive care and may offer limited coverage for pre-existing conditions.
Yes. Green Card Holders employed in the United States are generally eligible to enroll in employer-sponsored health insurance plans, just like U.S. citizens. Check with your employer regarding eligibility, enrollment periods, and available plan options.
No. U.S. immigration law does not specifically require Green Card Holders to maintain medical insurance. However, because healthcare costs in the United States are among the highest in the world, having adequate health insurance is strongly recommended to protect against unexpected medical expenses.
Yes. New immigrants and recent Green Card Holders may experience a waiting period before becoming eligible for employer-sponsored insurance or certain government healthcare programs. During this time, short-term medical insurance plans available through American Visitor Insurance can help provide valuable health coverage until long-term insurance becomes available.
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Why Choose Us
Why Buy Travel Insurance for Green Card Holders From American Visitor Insurance?
Licensed & Trusted Platform: American Visitor Insurance is a licensed U.S.-based insurance agency (NJ License #1181604), providing a secure and reliable platform where Green Card Holders, immigrants, and international travelers can compare and purchase travel medical insurance with confidence.
Specialized for Green Card Holders and Immigrants: American Visitor Insurance offers plans specifically designed for Green Card Holders, new immigrants, and senior permanent residents, including those waiting for Medicare eligibility.
Wide Range of Plan Options: Choose from comprehensive, short-term, and visitor-style medical insurance plans that fit your unique situation, whether you're a new Green Card Holder, a parent visiting the U.S., or a senior living part-time abroad.
Covers Both U.S. and International Travel: Many Green Card Holders travel frequently between the U.S., India, and other countries. American Visitor Insurance offers global coverage plans that provide protection both in the U.S. and overseas.
Affordable and Flexible Premiums: Compare and buy affordable medical insurance plans for Green Card Holders based on your age, health condition, and travel frequency without long-term commitments.
Coverage for Pre-Existing Conditions (Acute Onset): Select plans offer coverage for the acute onset of pre-existing conditions, an important benefit for older Green Card Holders and parents visiting the United States.
Expert Support and Comparison Tools: Easily compare the best health insurance plans for Green Card Holders, review benefits and prices from leading insurance providers, and receive guidance from our experienced customer support team for plan selection, renewals, and claims assistance.
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Travel Coverage
Travel Health Insurance for Green Card Applicants
elderly
Senior citizen travel insurance
Travel medical insurance for a senior citizen Green Card holders.
