You know how important health insurance is. Without health insurance, you could seriously face significant hospital and doctor costs. If you don’t have a social security number, you may believe that you can’t obtain health insurance. That is not necessarily true. You just need some additional documentation. In this article, we discuss health insurance for people without a social security number.
Affordable Care Act (ACA) Health Insurance Exchanges
In order to purchase a health insurance policy off the health insurance exchanges, you must be lawfully present. This means you are a
1 – US citizen,
2 – US National, or
3 – Lawfully present immigrant (on VISA or some other accepted form), or
4 – Specific, protected immigrant such as refugees from identified countries
You can find out about immigration status and forms on the healthcare.gov website. Undocumented immigrants are not eligible to buy health insurance off the exchanges.
What If I Am Not Considered Lawfully Present?
If you are not considered lawfully present, then you can’t purchase a health insurance policy off the exchanges. In other words, you are undocumented. However, that does not mean, in our opinion, that you cannot purchase health insurance for you and your family. You can. You just can’t purchase an ACA health insurance.
One solution is to have a tax ID number, also known as an Individual Taxpayer Identification Number (ITIN). We have discussed this before if you need life insurance and don’t have a social security number. This is really the easiest option, in our opinion. If you have an ITIN, you can get health insurance with most carriers. You may not be able to obtain health insurance off the exchange, but you will with some of the carriers we work with.
Why Is An ITIN Important?
An ITIN doesn’t look at immigration status. It simply provides a way for you to pay your taxes. Nearly all carriers will require some form of identification, and an ITIN qualifies.
You can read that ITINs are issued regardless of immigration status.
Health Insurance For People Without A Social Security Number
If you don’t have a social security number, you need to obtain an ITIN. The ITIN will allow you to purchase an ACA-compliant health insurance plan, giving you and your family needed peace-of-mind.
With an ITIN, you can apply for a health insurance policy which currently meets the individual mandate of the ACA. You can also apply for other types of insurance that will supplement your insurance policy, including, but not limited to:
1 – a fixed benefit plan which will pay for some or all of your hospital and doctor costs
2 – an accident and sickness plan which will pay benefits in case you are injured in an accident or sick from an illness
3 – a critical illness and/or cancer plan which will pay for some or all costs associated with a covered critical illness or the incident and treatment of cancer
4 – and much more, including dental and vision insurance
While this plan may seem unfamiliar to you, it has saved other families between 40% and 70% compared to an ACA health insurance plan.
Worried that you don’t have a social security number? You can still obtain health insurance. If you have a VISA or some other approved document, you can most likely purchase a policy off the exchange. If you don’t have a VISA or some other approved document, then you should obtain an ITIN. Do you already have an ITIN? Great! You can easily obtain health insurance from the carriers we use, whose insurance is typically 40% to 70% less than an ACA health insurance plan. Contact us or use the form below to find out more. We can provide you with some background on the plan and how it may work for you and your family.