Health insurance built around your immigration status.
Seguro de salud según su estatus migratorio.
Whether you're a permanent resident, naturalized citizen, refugee, or part of a mixed-status family, there is a coverage path that fits your household. We walk it with you, in English or Spanish.
Sea residente permanente, ciudadano, refugiado o familia de estatus mixto, hay una opción para usted.
Three paths to coverage.
Tres caminos a la cobertura.
- 01ACA Marketplace · Mercado ACA
Most LPRs, naturalized citizens, refugees, asylees, and many other lawfully present immigrants can buy a Marketplace plan and qualify for premium tax credits — often from day one.
- 02Medicaid & Emergency Medicaid · Medicaid
Refugees and asylees are eligible immediately. Most LPRs have a 5-year wait for full Medicaid, but emergency Medicaid covers labor & delivery and emergencies regardless of status.
- 03CHIP for children · CHIP para niños
35+ states cover lawfully present children and pregnant individuals from day one — no 5-year wait — with premiums under $50/month for most families.
Ten essential health benefits, by law.
Diez beneficios esenciales, por ley.
What you might actually pay.
Lo que podría pagar realmente.
Premium tax credits are based on household size and income. The numbers below assume a family of three with two LPR adults and one citizen child in a mid-cost state.
| Income (FPL) | Bronze after subsidy | Silver after subsidy | Gold after subsidy |
|---|---|---|---|
| 150% FPL — $40,880 | $0 / mo | $0 / mo | $45 / mo |
| 200% FPL — $54,500 | $25 / mo | $95 / mo | $160 / mo |
| 300% FPL — $81,800 | $170 / mo | $280 / mo | $390 / mo |
| 400% FPL — $109,000 | $280 / mo | $420 / mo | $560 / mo |
How four common paths actually compare.
Cómo se comparan cuatro caminos comunes.
Bars show the share of the ten essential health benefits each path typically covers for a lawfully present adult. ACA Marketplace plans cover all ten by federal law.
Applying for Marketplace coverage does NOT count as a public charge. Refugees, asylees, T-visa, U-visa, and VAWA self-petitioners are fully exempt.
Solicitar cobertura del Mercado NO cuenta como carga pública. Refugiados, asilados y otros están exentos.