Top 5 Health Insurance Plans for Immigrants in 2025
2025年移民美国最值得选择的五种健康保险计划
Finding the right health insurance as a new immigrant in the U.S. can be confusing. But don't worry! Here's a simple guide to the top 5 options in 2025 for different needs and budgets.
对于刚到美国的新移民来说，选择合适的健康保险确实让人头大。但别担心！以下是2025年最值得选择的五种医疗保险方案，适合不同需求与预算。
1. ACA Marketplace Plans (Obamacare)
Best for: Permanent residents (green card holders) and those with eligible immigration status.
优势人群： 绿卡持有者或符合条件的合法移民。
Subsidies are available based on income, making it affordable for many families.
根据收入可享受政府补贴，许多家庭负担得起。
2. IMG Global Medical Insurance
Best for: Recent immigrants, visitors adjusting to green card status.
优势人群： 刚移民的人，或正等待身份调整的人士。
Flexible short-term and long-term plans that work before ACA coverage kicks in.
灵活的短期/长期保险，适合过渡期使用。
3. Kaiser Permanente
Best for: Residents in states like California, Colorado, and Oregon.
优势人群： 居住在加州、科罗拉多州、俄勒冈州等地的移民。
Integrated care model with good customer reviews and localized support.
集成式医疗体系，服务本地、口碑优良。
4. Molina Healthcare
Best for: Low-income immigrants eligible for Medicaid or CHIP.
优势人群： 低收入移民，符合 Medicaid 或儿童医疗计划资格。
Available in many states and offers bilingual support.
覆盖多个州，提供双语支持。
5. Private Plans via Brokers (eHealth, HealthSherpa)
Best for: Those who don’t qualify for ACA and want custom plans.
优势人群： 无法通过ACA参保，需定制方案的移民。
Easy to compare plans online and apply in minutes.
可在线快速比较方案并申请。
💡 Tips Before You Enroll:
- Check your visa/residency status first.
- Compare premiums, deductibles, and provider networks.
- Don’t wait until you're sick — get covered early!
温馨提示： 在参保前请先确认你的移民身份，比较价格、报销范围与医生网络。别等生病了才买保险！
This article is for informational purposes only. Please consult a licensed insurance advisor.
本文仅供参考，请咨询专业保险顾问。
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