How to buy health insurance if you are U.S citizens.
Health insurance is very important in the US. Many schools require F-1 students to buy health insurance (also known as 美国医保). You are also recommended to buy health insurance after graduation, such as opt insurance. The one is ideal for international student to purchase is Huhu Insurance (also known as 虎虎保险) Some employers provide health insurance with employees. Remember to ask for your employer about health insurance before accepting an offer. Since the H-1B visa application and the H-1B lottery procedure (also known as h1b 抽签) are very complicated, you should always consider hiring an immigration lawyer (also known as 移民律师) when you apply for an H-1B visa （h1b签证）. In this article, we will introduce how to choose insurance if you are U.S. citizens.
Due to the Affordable Care Act (ACA), the Obamacare regulation, US legal residents, including US citizens, legal immigrants (green cards), and other legitimate long-term residents, are required to participate in ACA-compliant health insurance. If you do not participate in medical insurance or medical insurance does not meet the ACA standard, the government will impose a fine through the IRS IRS. The 2016 fine is $695 per adult and $347.50 per child, and the maximum fine for each family is no more than $2,085. Or 2.5% of household income, whichever is higher.
New immigrants can apply for travel medical insurance as a transitional insurance before they arrive in the United States. If a new immigrant is a new immigrant who arrives in the US after January 31, 2016 (the end of the open application period), he or she can apply for Obamacare insurance as a special life change event within 60 days. However, new immigrants are often not eligible to apply for Medicaid for federal and state governments for those with income below the poverty line.
Obamacare is divided into the following levels based on the proportion of self-sufficient pockets:• Catastrophic Illness Insurance: Applicable only to people under the age of 30 or who are eligible for exemption.• Bronze: 40% for self, and 60% for insurance company• Silver: 30% for self, and 70% for insurance company• Gold: 20% for self, insurance pays 80%• Plantium: 10% for self, 90% for insurance companyUS states have different medical policies for immigrants. And because of changes in state budget funds, the standards and qualifications of state-sponsored health insurance are constantly changing.