Coverage paths for every immigration status.
Caminos de cobertura para cada estatus migratorio.
Eligibility rules in the U.S. are written for one immigration status at a time. We translate them into one document for your whole household — so you know what's available before you call.
Las reglas de elegibilidad en EE.UU. se escriben para un estatus a la vez. Las traducimos en un documento para todo su hogar.
Six common situations we work with daily.
Seis situaciones comunes que atendemos a diario.
Each card links to a focused next step. If your situation is between two cards, start a quote and a bilingual advisor will map your whole household together.
Green card holders — eligible for ACA from day one. We help with first-time enrollment and subsidies.
See your optionsExempt from the 5-year Medicaid waiting period. Often qualify for Refugee Medical Assistance + ACA.
See your optionsEligible family members can enroll without affecting ineligible ones. Information is not used for enforcement.
See your optionsFull ACA + Medicaid eligibility. We help with the transition from your old plan after naturalization.
See your optionsF-1, J-1, H-1B, O-1 and others. We verify eligibility for your specific category.
See your optionsIn 35+ states, lawfully residing children qualify for CHIP without the 5-year wait — even if parents don't qualify yet.
See your optionsEligibility by program, at a glance.
Elegibilidad por programa, de un vistazo.
A simplified reference. Rules vary by state — your advisor will confirm your exact options.
| Status | ACA Marketplace | Medicaid | CHIP (children) |
|---|---|---|---|
| U.S. Citizen | Yes — with subsidies if income qualifies | Yes (income) | Yes (income) |
| Naturalized Citizen | Yes — same as U.S. Citizen | Yes (income) | Yes (income) |
| Lawful Permanent Resident | Yes — from day one | 5-year wait in most states | Most states: no wait |
| Refugee / Asylee | Yes — from arrival | Yes — no 5-year wait | Yes — no wait |
| F-1 / J-1 Student | Sometimes (case by case) | No | No |
| H-1B / Work Visa | Yes — qualified non-citizen | 5-year wait in most states | Varies by state |
| DACA Recipient | As of 2025: Yes (new rule) | Varies by state | Some states |
| Undocumented | No | Emergency only | Some states cover children |
A common scenario.
Un escenario común.
A green-card parent qualifies for an ACA plan with subsidies. Their U.S.-born children qualify for CHIP. The grandparent on a recent green card is still in the 5-year Medicaid wait, but qualifies for a low-cost Marketplace plan. We enroll all three in one conversation — and revisit each year as statuses change.
Un padre con green card califica para ACA con subsidios. Sus hijos nacidos en EE.UU. califican para CHIP. La abuela con green card reciente todavía está en la espera de Medicaid, pero califica para un plan del mercado de bajo costo. Inscribimos a los tres en una sola conversación.