I’m a US citizen and given my mom is alone, I sponsored her GC and brought her to live with me here in US. She stays in US 6 month a year and with my Brother in a different country for other 6 months. I can’t afford the new marketplace insurance coverage, my question is for those in similar situation, how do you manage parents coverage, if they don’t have coverage, how do you pay hospital expenses if an emergency arises?

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Well where’s your mum a resident? You can always get international health insurance from your mums country of residence that covers the US. It might be a lot cheaper than getting insurance in the US, especially because it’s limited per year.

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I didn’t mean travel insurance but there are insurance options for mid-term stays from the country of residence. Could be for up to a few years even.
Worth checking what’s available from your mums country of residence, I suppose

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Where are you in the states? Get her a MediCal if you are in California or whatever is similar if in NY.

I am so sorry :(

If she has GC, she is legally obligated to report income, and she has SS#. Then she can be a dependent on YOUR taxes, and YOUR employer insurance. Whatever you’ll lose in extra cost for insurance, you’ll make up on taxes (single to HH); if you’re already HH, MIGHT be a bit extra cost; if you’re filling as married and have family coverage, she can be under your existing family plan at no extra charge.

PE1, the tax return benefit as I said is a small amount 500 for entire year and that is if ur HH income is under 400K

I have never seen an employer allowing/sponsoring insurance for parents, you have a great one

Most people in this situation use visitor/travel medical insurance for their parent when Medicare or ACA plans are too expensive. It’s much cheaper and covers emergencies only.

If there’s no insurance, hospitals usually:

Bill directly (very expensive),

Offer self-pay discounts, or

Set up payment plans and sometimes financial assistance/charity care.

Common options people use:

Emergency-only travel insurance (6 months at a time)

Cash + payment plan in emergencies

Applying for hospital charity care after treatment

This is how most families manage in similar situations.

Most people in this situation use visitor/travel medical insurance for their parent when Medicare or ACA plans are too expensive. It’s much cheaper and covers emergencies only.

If there’s no insurance, hospitals usually:

Bill directly (very expensive),

Offer self-pay discounts, or

Set up payment plans and sometimes financial assistance/charity care.

Common options people use:

Emergency-only travel insurance (6 months at a time)

Cash + payment plan in emergencies

Applying for hospital charity care after treatment

This is how most families manage in similar situations.

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