Health Insurance for Green Card Holders (Permanent Residents)
Health insurance is essential for protecting your health and finances while living in the U.S., where medical expenses can be extremely high compared to many other places around the globe. Green Card holders also known as permanent residents, may have varying insurance needs depending on their age, residency status, and travel patterns.This category includes:
- New immigrants that receive Green Cards while entering the U.S.
- Permanent residents who reside and work in the U.S. full-time.
- Green Card holders aged 65 or older that are not yet qualified for Medicare.
- Seniors over 70 requiring specialized coverage
- Green Card holders that frequently travel between the U.S. and their home country.
Since all Green Card holders have differing personal and family situations, selecting the right health insurance plan can feel complex. Coverage requirements, eligibility rules, and plan benefits vary based on individual circumstances.
Our goal is to make it simple and easy to navigate and find the right plan according to the needs especially for the Green Card Holders. Whether you are a permanent resident of the US or the one who is shuttling between the home country and the US, you will find the right plan based on your input in our quote form.
Medical Insurance for Parents of Green Card Holders
Immigration to the United States by older parents of U.S. citizens will be an important issue for those that are new immigrants to the country. This is due to the high cost of health care and changing polices on immigration.
Historically the Trump Administration had proposed a rule that would have require new immigrant parents of U.S. citizens to provide proof of adequate health insurance coverage in order to apply for a Green Card as a new immigrant. This proposal faced numerous legal challenges in the courts and was subsequently held up for review resulting in uncertainty about when and/or if it will go into effect.
While this proclamation is not enforced, parents who are U.S. citizens applying for Green Cards should also strongly consider obtaining adequate health insurance coverage before entering into the country. This creates an opportunity for additional support in the event that a visa or an entry decision is made on the grounds of whether an applicant will become a public charge. Therefore, health insurance is an additional factor for consideration when preparing your application package.
Since eligibility for domestic U.S. health insurance plans (including Medicare) may be delayed, short-term and interim health insurance plans designed for Green Card holders can provide essential medical coverage during this transition period. These plans offer protection for unexpected medical expenses until immigrant parents qualify for long-term coverage through a U.S. health plan.
Medical Insurance for Green Card Holders Under 65 Years
Green Card holders under the age of 65 have several health insurance options depending on employment status and length of stay in the United States.
- Short-term visitor health insurance may be a suitable option initially, especially for new immigrants, while evaluating long-term domestic insurance choices.
- Visitor Insurance plans can be easily compared and purchased using our online comparison tool.
- Green Card holders who are employed may be eligible for employer-sponsored health insurance, which is often the most comprehensive option.
- Individuals may also purchase domestic health insurance plans such as Blue Cross Blue Shield, subject to state availability and eligibility.
Health Insurance for Green Card Holders Over 65 Years
Medical insurance for green card holders over 65 are more limited due to eligibility requirements for U.S. government programs.
- New immigrant Green Card holders over 65 are not immediately eligible for Medicare.
- Medicare eligibility generally requires at least 40 quarters (10 years) of U.S. work history with paid Social Security taxes.
- Eligibility for ACA (Obamacare) plans may also be limited for newly arrived Green Card holders during the initial years of residence.
- Until eligible for Medicare or other domestic plans, seniors can purchase temporary health insurance designed for new immigrants and elderly Green Card holders.
- Fixed-benefit health insurance plans offer affordable coverage for common medical expenses.
- One of the most cost-effective fixed-benefit options for immigrant parents over 65 is the Safe Travels Elite Insurance plan.
Medical Insurance for Green Card Holders Over 70
Finding medical insurance for Green Card holders over 70 can be challenging, especially for new U.S. immigrants. Health insurance options for seniors in this age group depend on how long they’ve lived in the United States and whether they qualify for Medicare.
If a Green Card holder has lived in the U.S. for at least five years and has worked for 10 years (40 quarters), they may qualify for Medicare coverage. Those who meet the residency requirement but not the work history requirement can still purchase Medicare by paying a higher premium.
However, if Medicare is not an option, Green Card holders over 70 can consider travel medical insurance plans available on American Visitor Insurance.
- Provide short-term health coverage for unexpected illnesses or accidents
- Usually do not cover preventive care (like checkups or vaccines)
- Offer limited benefits for pre-existing conditions
For those ineligible for Medicare, American Visitors Insurance offers the best Green Card Holders over 70 years medical insurance plans. These plans work as interim options till they are eligible for Medicare.
Travel Insurance for Green Card Holders Reviews
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"Thanks so much for your help American Visitor Insurance Customer Support, your service was fantastic."
Which Is the Cheapest Travel Health Insurance for Green Card Holders in the USA?
$76 Per month
Age: 60 years | Plan: $50,000 |
Deductible: $0
- Policy maximum limits ranges from $25,000 to $175,000.
- Deductible option $0.
- Coverage from 5 days - 364 days.
- Direct billing through First health international.
- Covers acute on set of pre-existing conditions up to 89 years.
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$77 Per month
Age: 60 years | Plan: $50,000 | Deductible: $250
- Policy maximum limits ranges from $50,000 to $150,000.
- Deductible options $0 to $5,000.
- Coverage from 30 days - 364 days.
- Great savings with United Healthcare PPO network
- Does not cover pre-existing conditions.
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$147 Per month
Age: 60 years | Plan: $50,000 | Deductible: $250
- Policy maximum limits ranges from $50,000 to $1,000,000.
- Deductible options $0 to $5,000.
- Coverage from 5 days - 364 days.
- Direct billing through First health international.
- Unexpected Recurrence of a Pre-Existing Condition up to 70 years.
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Which Is the Best Travel Medical Insurance for Green Card Holders in the USA?
The best long term health insurance for Green Card holders is Safe Travels USA Comprehensive. Other top plans include Patriot America Plus and SafeVista Protect.
Patriot America Plus Insurance IMG
- Best suited for Green Card holders visiting the USA who want strong comprehensive coverage for unexpected medical needs.
- Covers acute onset of pre-existing conditions under age 70.
- Covers emergency evacuation up to $1,000,000.
- Urgent care is available with a copay of up to $25.
- Direct billing through the UnitedHealthcare PPO and First Health PPO networks within the U.S.
- Offers optional coverage for adventure sports and recreational activities.
- Patriot America Plus allows Green Card holders to apply as long as they maintain a foreign residence address. The plan provides comprehensive coverage for medical emergencies, accidents, and illnesses while visiting the U.S.
Policy Maximum?
$50,000 - $1,000,000
Period of Coverage?
5 days to 364 days
Safe Travels USA Comprehensive Insurance Trawick International
- A good option for Green Card holders needing coverage for new illnesses and acute onset of pre-existing conditions.
- Covers acute onset of pre-existing conditions up to 89 years.
- Covers emergency evacuation up to $1,000,000.
- Urgent care is available with a copay of up to $30 per incident.
- Direct billing through First Health International PPO network.
- Provides cardiac and stroke coverage of up to $25,000 for ages 69 and below, and $15,000 for ages 70 and above.
Policy Maximum?
$50,000 - $1,000,000
Period of Coverage?
5 days to 364 days
SafeVista Protect Insurance INF
- Best for Green Card holders wanting all-round comprehensive coverage 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.
- Direct billing through UnitedHealthcare PPO Network.
- Includes free worldwide telehealth access through doctor please for remote medical consultations.
Policy Maximum?
$100,000 - $1,000,000
Period of Coverage?
10 days to 364 days
What Are the Best Visitor Insurance for Green Card Holders Staying Longer in the USA?
$393 3 months
Age: 60 years | Plan: $100,000 |
Deductible: $250
- Policy maximum limits ranges from $100,000 - $1,000,000.
- Deductible options $75 - $5,000.
- Coverage from 90 days - 364 days.
- Direct billing through United Healthcare network.
- Covers full pre-existing conditions up to 99 years.
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$1,369 3 months
Age: 60 years | Plan: $150,000 |
Deductible: $250
- Policy maximum limits ranges from $150,000 - $1,000,000.
- Deductible options $100 to $5,000.
- Coverage from 90 days - 364 days.
- Direct billing through United Healthcare network.
- Covers full pre-existing conditions up to 99 years.
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$1863 3 months
Age: 60 years | Plan: $150,000 |
Deductible: $500
- Policy maximum limits ranges from $150,000 - $250,000.
- Deductible options $500 to $5,000.
- Coverage from 90 days - 364 days.
- Direct billing through First health international.
- Covers full pre-existing conditions up to 99 years.
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Best Green Card Holders health insurance reviews
How Much Does Health Insurance Cost for Green Card Parents?
The cost of health insurance for Green Card holders in the U.S. varies depending on several key factors — such as age, coverage amount, deductible, and whether the plan includes pre-existing condition coverage. Typically, health insurance premiums for Green Card holders range from $44 to $403 per month.
Whether you are a new permanent resident or a long-term Green Card holder, it’s important to compare different health insurance plans to find one that offers:
- Comprehensive coverage for medical emergencies and preventive care
- Affordable premiums that fit your budget
- Access to quality healthcare providers across the U.S.
For example, here we are showing the average health insurance cost for Green Card holders per month.
Are Senior Green Card Holders Eligible for Medicare?
Green Card Holders (lawful permanent residents) in the U.S. can qualify for Medicare, if they meet certain requirements related to age, residency duration, and work history.
To be eligible for Medicare, Green Card Holders must meet the following conditions:
Age Requirement
- Be 65 years or older, or
- Be under 65 with a qualifying disability (such as receiving Social Security Disability Insurance (SSDI) for at least 24 months, or having End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS)).
U.S. Residency
- Must have lived in the United States for at least 5 consecutive years as a lawful permanent resident before applying for Medicare.
Work History or Spousal Eligibility
- Must have worked and paid Medicare taxes for at least 10 years (40 quarters) in the U.S., or
- Be married to someone who meets this work history requirement.
Medicare Costs for Green Card Holders
If you don’t have enough work history to qualify for premium-free Part A, you can still enroll by paying premiums:
Part A (Hospital Insurance)
- $518/month if you worked fewer than 30 quarters
- $285/month if you worked 30–39 quarters
Part B (Medical Insurance): Standard premium of about $185/month
Your Initial Enrollment Period lasts for 7 months which starts 3 months before your 65th birthday month, then includes the month of your 65th birthday and finally ends 3 months after your birthday month. If you miss your Initial Enrollment Period, you can sign up during the General Enrollment Period, which runs from January 1 to March 31 each year.
You may face a late enrollment penalty for Part B (and sometimes Part A) if you delay enrollment without having other creditable coverage (such as employer insurance). You may qualify for a Special Enrollment Period if you delayed enrolling in Medicare due to having other creditable coverage (e.g., through an employer or union).
Green Card Medical Insurance for Seniors
65
Health insurance for Green Card holders over 65 years
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70
Medical insurance for Green Card holders over 70 years
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80
Travel medical insurance for Green Card holders over 80
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How Can I Buy Health Insurance for Elderly Green Card Holders Online?
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Find the best Green Card Holders health insurance plans
Complete the Green card holder health insurance quote form with relevant details.
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Compare the different travel insurance options
Compare Green Card Holders medical insurance cost.
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Buy the best US Green Card health for your needs
Buy the plan that best fits your needs and budget using a credit card and completing the online application.
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Review insurance plan documents received by email
Review the US Green Card medical insurance policy documents received by email for coverage details and contact numbers.
Travel Medical Insurance for Green Card Parents - FAQs
Yes. INF insurances provides coverage for many Green Card Holders, especially those who are above age 65. INF insurance plans also offer ancillary benefits such as dental and telemedicine which are usually separate policies under domestic US health insurance.
Following are the list of US travel insurance plans:
Patriot America Plus and Patriot Platinum America plans are based on the primary residence country that the member lists on the application. The Green Card Holders can buy Patriot America Plus insurance for coverage in the US, as long as their primary residence is outside the US. There is no set amount of time they have to purchase.
However, if they establish a permanent residence in the US, they are not eligible. So if they have a home (purchased or renting) here in the US, they can’t get our coverage. Provided they are eligible, if/when they submit a claim for treatment in the US, we will ask for their proof of residency in another country (renters agreement, bills to that address, etc) Just something showing that they live anywhere else.
Green Card Holders can enroll in INF plans initially for up to 1 year at a time. They can then renew their policy. There is no "term limit" for INF plans.
To qualify for Medicare, you must have worked in the US for 40 quarters (10 years) or have a Green Card for at least 5 years.
They must go through special membership approval for INF Elite / Premier / Standard / Traveler USA for Greencard holders.Green Card Holders can buy INF plans as long as they have a residence outside the US.
Yes, they can buy INF travel insurance.
Yes, Green Card Holders can get the medical insurance that we offer if they have a permanent address outside the US. Green Card Holders can get medical insurance quotes and buy the insurance on our website. The short term medical insurance will cover unanticipated medical conditions, but will not cover preventive care and regular treatment for pre-existing conditions. Getting a medical insurance quote is easy by providing the age of the Green Card holder and the dates that they need the insurance coverage. We display the different medical insurance for Green Card Holders and you can compare the different plans based on price as well as the coverage benefits. After choosing the best Green Card holder insurance for your needs, you can complete the application online and buy it using a credit card. The policy will be emailed immediately after completing the transaction.
The Affordable Care Act (Obamacare) had made it mandatory for all US residents to have health insurance, however the compulsory insurance requirement has been waived and it is now no longer mandatory to have health insurance. However, given the very high cost of US healthcare, where a regular Doctor’s consultation can take hundreds of Dollars, and Hospitalization overnight can involve thousands, or even tens of thousands of Dollars, it is very risky to be living in the US without any health insurance.
Green Card Holders can buy the health insurance on American Visitor Insurance if they do not have group health insurance from any employer, or if they are not yet eligible for US Medicare or for other domestic health insurance. The medical insurance for Green Card Holders that we offer will however not cover preventive care and has limited coverage for pre-existing medical conditions.
Green Card Holders may be eligible for Medicaid after meeting certain criteria, such as income and residency requirements, set by each state. Medicare eligibility typically requires being a Green Card holder for at least five years and meeting other qualifications (age 65 or older, or having certain disabilities). If there are new Green Card Holders who are not eligible for domestic health insurance or Medicare, they can buy the Visitors Insurance that we offer during this interim period.
Green Card Holders who are employed in the United States are generally eligible to participate in employer-sponsored health insurance plans, similar to U.S. citizens. It's advisable to check with the employer to understand the available options and any eligibility requirements.
There is no specific requirement for Green Card Holders to have medical insurance under U.S. immigration law. However, it is highly recommended to have health insurance coverage to protect against unexpected medical expenses given the very expensive cost of US healthcare.
New immigrants or recent Green Card Holders may have a waiting period before becoming eligible for government programs or employer-sponsored health insurance. It is important to explore alternative options during this waiting period, such as short-term health insurance plans like those offered on American Visitor Insurance.
Yes, it is possible to find affordable medical insurance for Green Card holder in the U.S. American Visitor Insurance offers Green Card Holder health insurance from top rated insurance providers which provide comprehensive health coverage in the US. By comparing quotes from different insurers and considering factors such as coverage options, deductibles, and pre-existing condition coverage, Green Card Holders can find affordable medical insurance to suit their specific budget and requirements. It is recommended that one compares plans both for price as well as benefits to find the most cost-effective Green Card insurance for seniors and parents.
The cost of short term health insurance for Green Card holder depends on the following:
- The age and health of the Green Card Holder (older the Green Card holder, higher the cost)
- The length of coverage that you are buying the insurance
- The medical maximum coverage limit chosen (higher the coverage, higher the cost)
- The deductible and co-insurance of the insurance
- Any add-on benefits (pre-existing conditions coverage etc.. cost more)
Yes, Green Card Holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.
If one has applied for the Green Card and are waiting for permanent residency, they can buy visitor health insurance coverage that is ideal for them till they get the Green Card and are eligible for other domestic US health insurance options.
At American Visitor Insurance new immigrants and permanent residents can get best health insurance for Green Card Holders. They can find medical insurance to suit their specific budget and requirements. It is recommended to compare the cost and benefits for Green Card Holders health insurance to find the most cost-effective plan espeacially for seniors and parents.
What Is The Medical Insurance For Parents With Green Card?
The best visitors insurance for parents visiting USA is listed here:
- Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 70 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000).
- Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card Holders as long as they reside outside the US.
- Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.
- Diplomat America is available for Non US citizens and Non-US residents while visiting the United States.Available for Green Card Holders.Covers pre-existing condition after 24 months of waiting period.
- The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
Health Insurance For Green Card Parents Over 65 Years Who Live Outside The US For A Long Period
Under the Affordable Care Act (ACA) also popularly known as Obamacare, it is mandatory for all US residents (including Green Card Holders) to have health insurance, failing which they will have to pay a fine which increases annually. This mandatory health insurance for elderly parents on Green Card is however waived for those who have lived more than 330 days outside the USA. In this situation, where Green Card Holders usually live outside the US, and are visiting the country, they can buy many of our visitor insurance plans as health insurance for elderly parents on Green Card.
International Medical Group's (IMG's) Patriot America Lite is an option if they have a permanent address outside the US. Alternatively, you can buy the Safe Travels USA Comprehensive or Safe Travels USA Insurance plans offered by Trawick International. The most affordable fixed benefits plan is the Safe Travels Elite which can be renewed for up to 364 days. INF offers health insurance for pre-existing conditions which works well as health insurance for immigrant parents over 65. Green Card Holders can buy INF medical insurance for parents as long as they have a residence outside the US.
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.
Health Insurance For Green Card Holders Senior Citizen Parents Options
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Renewal of medical insurance for Green Card holder senior citizen parents
Can buy health insurance for elderly Green Card immigrant parents from a few days up to 5 years.
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Health insurance for elderly immigrant parents purchasing options
Available as monthly, quarterly, semi-annually or annual increments.
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Buying health insurance for Green Card Holders senior citizen parents eligibility
Health insurance for elderly immigrant parents available even 24 months after arriving in the US.
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Interim health insurance while waiting for Green Card
Health insurance for Green Card Holders senior citizen parents till they are eligible for domestic US health plans.
Green Card Holders Visiting USA That Covers Pre-Existing Conditions
Dear Sir,
We two my wife and myself will be reaching USA with Green Card and will stay in Florida.
Will like to know which is the best health insurance for new immigrants over 65 ?
We both are in fairly good health but must cover pre-existing conditions.
We have no income source in US.
Thank you,
Shakti
Dear Shakti,
There is one fixed option renewable for up to 364 days:
Safe Travels Elite insurance: This plan is designed for Green Card holder who intend to stay on in the USA.
INF insurance offers coverage for pre-existing conditions. The Premier Insurance Plan is the only fixed benefit (Scheduled benefits) plan with full pre-existing coverage and the Elite Insurance Plan is the only comprehensive visitor medical insurance plan with full pre-existing coverage. INF Premier and INF Elite plans should be purchased for minimum 3 months. Green Card Holders can buy INF medical insurance for parents as long as they have a residence outside the US.
There are comprehensive insurance plans for Green Card Holders from Trawick International: If you can list a country other than the US as your home country, this comprehensive policy may work for you.
Safe Travels USA: Covers Unexpected recurrence of a pre-existing condition up to $1k for ages up to 69 years.
Similarly, the Safe Travels USA Comprehensive plan covers acute onset of pre-existing medical conditions up to 89 years, this also includes Cardiac conditions. Please see the brochure for details.
Patriot America Plus is one of the comprehensive benefit insurance from IMG: If you can list a country other than the US as your home country, this comprehensive policy may work for you.
Similarly, the Patriot Platinum plan has some coverage for pre-existing conditions. Please see the brochure for details. This plan has more options available for persons over 70.
Please let us know in case of any questions.
Sincerely,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
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