Plans for your visa status

Health Insurance —
Guide

Compare ACA, student, short-term, and employer health plans based on your visa and situation.

Your household info
$
Also check: Medicaid & CHIP

Enter your income above to see if you qualify for Medicaid (free coverage) or CHIP (children's coverage).

Your estimate

Enter your income to see your subsidy estimate.

Coverage by immigration status
Green Card / LPR
Full ACA marketplace access. Medicaid after 5-year waiting period (varies by state). CHIP for children.
Work Visa (H-1B, L-1, O-1)
Full ACA marketplace access. Employer insurance often provided. Usually not eligible for Medicaid.
Refugee / Asylee
Full ACA access. Medicaid immediately available (no 5-year wait). Resettlement programs may provide initial coverage.
DACA
NOT eligible for ACA marketplace subsidies. NOT eligible for Medicaid (except emergency). Some states offer state-funded options.
Undocumented
Not eligible for ACA or Medicaid. Eligible for emergency Medicaid only. Some states (CA, NY, WA, IL, MA) offer state-funded coverage regardless of status.
F-1 Student
Usually required to use university health insurance. May access ACA marketplace but no subsidies for non-immigrants. Not eligible for Medicaid.
What's your situation?

Select the life event that applies to you. If you had a qualifying event, you have a 60-day window to enroll outside of Open Enrollment.

I just arrived in / moved to the US
Gaining a qualifying immigration status or moving to the US is a Special Enrollment Period trigger.
I lost my job or employer coverage ended
Job loss, being laid off, or your employer stopping coverage all count. The 60-day clock starts from your last day of coverage.
I got married or divorced
Marriage adds you to a new household; divorce can end coverage you had through a spouse.
I had a baby, adopted, or got a foster child
New dependents trigger a SEP. Coverage can be backdated to the birth/placement date.
I moved to a new state
Moving to a new state (or new coverage area) gives you a 60-day window to enroll in a local plan.
I lost Medicaid or CHIP coverage
If your income rose above the Medicaid threshold or your state ended your coverage, you can switch to marketplace coverage.
My immigration or visa status changed
F-1 → H-1B, getting a Green Card, or being granted asylum all change your eligibility and trigger a SEP.
My income is under ~$22,000/year (single)
Incomes below 150% FPL qualify for Special Enrollment anytime in most states — no qualifying event needed.
None of the above
I don\'t have a qualifying event and I'm outside Open Enrollment.
Open Enrollment: Nov 1 – Jan 15 (most states)
Enroll by Dec 15 → coverage starts Jan 1
Sign up in the first half of OEP to avoid a gap in coverage at the start of the year.
Enroll by Jan 15 → coverage starts Feb 1
The OEP extends to Jan 15 in most states, with Feb 1 coverage start. Some state marketplaces have slightly different dates.
Medicaid — enroll any time, year-round
No enrollment period for Medicaid. If you qualify, apply anytime at healthcare.gov or your state Medicaid office. Coverage can start the same month.
Enter your bill details
Key terms explained
What this means

Fill in your bill details on the left and click Explain this bill to get a plain-English breakdown.

What's the issue?
Billing error / duplicate charge
You were charged for a service you didn\'t receive, or the same charge appears twice.
Insurance denied my claim
Your insurer said it won\'t pay — you believe it should be covered.
Surprise bill / out-of-network
You received care at an in-network facility but got a bill from an out-of-network provider (e.g., anesthesiologist, radiologist).
Can't afford the bill / request charity care
Request a payment plan, discount, or the hospital\'s financial assistance program.
Bill sent to collections
A debt collector is contacting you. You want to verify the debt or dispute it.
Fill in your details
How disputing works
1. Start in writing
Always dispute in writing — not just by phone. Written disputes create a paper trail and protect your rights.
2. Use certified mail
Send your letter via USPS Certified Mail with Return Receipt so you have proof of delivery.
3. Keep copies
Keep a copy of every letter, bill, and EOB. Note dates of any phone calls too.
4. Know your deadline
Appeal deadlines are typically 30–180 days from the denial or billing date. Act quickly.