For many immigrants, moving to the United States is the beginning of a better life—but it also comes with new responsibilities, including securing health and life insurance. Fortunately, the U.S. offers accessible insurance options for many immigrant groups, regardless of legal status or income level.
Is Insurance Accessible for Immigrants?
Yes! The U.S. insurance system offers several pathways for immigrants—both documented and, in some cases, undocumented—to access essential coverage:
Legal Permanent Residents (Green Card holders): Eligible for most insurance plans, including private coverage and government programs like Medicare (if age-qualified) and Medicaid (based on income and state).
-
DACA recipients and visa holders: Can usually purchase private health insurance or receive it through an employer. Some states allow Medicaid access depending on residency
-
Undocumented immigrants: Though not eligible for federal programs, they can access private insurance plans and community health clinics. Some states (like California and New York) offer specific local programs for undocumented residents.
Who Regulates Insurance in the U.S.?
The U.S. insurance market is highly regulated, but it operates differently than in many other countries. Here’s an overview of the major entities involved:
1. Federal Government
While most regulation is done at the state level, the federal government oversees national insurance policies and programs:
-
Centers for Medicare & Medicaid Services (CMS): Administers government insurance programs like Medicare, Medicaid, and ACA Marketplace (Obamacare).
-
Department of Health and Human Services (HHS): Sets federal healthcare regulations, especially related to consumer protection and public health.
-
IRS (Internal Revenue Service): Manages tax-related policies tied to insurance, such as subsidies for ACA plans.
2. State Departments of Insurance
Each state has its own Department of Insurance, which:
-
Approves insurance plans sold in the state.
-
Licenses insurance companies and agents.
-
Monitors complaints and resolves disputes.
-
Enforces coverage and pricing standards
3. Private Carriers and Brokers
Private insurers (like UnitedHealthcare, Blue Cross Blue Shield, Aetna, and others) provide most health and life insurance policies in the U.S. Brokers like Spartan Life serve as trusted advisors who connect you with the right plan, help you understand your options, and make sure you’re protected.
Insurance Shouldn’t Be a Barrier — It Should Be a Bridge
At Spartan Life, we believe everyone deserves protection—no matter where you’re from or how long you’ve been in the U.S. Our mission is to make insurance accessible, transparent, and personalized for immigrants and their families.
Horario
Lunes- Viernes 9:00 am a 7:00 pm
Sabados – 09:00 am a 04:00 pm
Domingos – Cerrado
Protegemos tu presente y aseguramos tu futuro.
Informacion de Contacto
601 N Federal Hwy, Ste 301, Hallandale Beach FL 33009, United States
Llamanos directamente
+1(786) 501-0080
ceo@spartansgroups.com