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The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
We receive many inquiries from people whose parents are Green Card holders (permanent residents of the U.S. as per U.S. immigration definition) but try to spend as much time as possible in their native country using the allowed travel duration and also using the re-entry permit etc. Even though they have a Green Card, they are essentially "visiting" the U.S. for a short term and are looking for health insurance.
PPACA stands for Patient Protection and Affordable Care Act, popularly known as Obamacare. It is a law that was signed in March 2010 and went into effect on Jan 1, 2014, at least regarding the provision that almost everyone who legally lives in the U.S. needs to buy the health insurance and keep it for the entire year or pay the tax penalty which depends upon income. On the other hand, insurance companies selling Obamacare-compliant insurance plans can not exclude pre-existing conditions and need to cover them.
If your state has a health insurance exchange, you can buy through that. Otherwise, you can buy from the federal exchange on healthcare.gov. Depending upon your household income, you may be eligible for a federal subsidy on insurance premiums. Alternatively, you can also purchase directly from private insurance companies or through insurance brokers, but mostly in those cases, there are no subsidies.
You can purchase Obamacare compliant plan only during their open enrollment period which usually starts on November 15th through December 15th. There are some specific situations that could qualify a person for a special enrollment period, which would allow you to enroll in an ACA compliant insurance plan outside of the open enrollment period.
As insurance companies are expected to cover pre-existing conditions and you are expected to keep the insurance year round, you can't purchase only when you need it. Otherwise, everyone would wait until they are sick or injured.
Please look at greencard holders medical insurance to understand what they would be eligible to purchase.
They are all short term travel insurance type products. Short term plans are specifically exempted from being Obamacare compliant.
That primarily means that it would generally cover any new medical conditions, injuries or accidents that may occur after the effective date of the policy and will not cover any pre-existing conditions, preventive check ups or maternity or anything like that. Some of those plans may cover acute onset of pre-existing conditions, up to some amount, up to some age. Please look into the brochure and other details of each product for further information.
The following questions apply outside the open enrollment period:
No, because the open enrollment period is over now.
You should have enrolled them into a suitable plan during the previous open enrollment period. If you didn't do that earlier, you will need to wait until the next open enrollment period opens up.
As mentioned earlier (above), green card holders are permanent residents of the US and are expected to be enrolled in Obamacare compliant plans year round and not only for a short period.
That is entirely your choice. If you would like to purchase the insurance for a short term, it is NOT going to be Obamacare compliant and it will not provide some of the benefits you might be looking for.
Penalty has been eliminated from 2019 onwards.
The following questions apply during the open enrollment period:
That really depends upon the state they are resident of and sometimes it even depends upon zip code.
We can't really tell you exactly as it varies a lot, but you are looking at something like $600 to $800 a month with a high deductible such as $5,000 or so. Again, this is very rough idea.
Not really. What you see are the prices for the kind of plans you are trying to purchase.
First and foremost, Obamacare is NOT free health insurance for everyone. Additionally, people with no income are not even eligible for Obamacare subsidy. Also because you (or your brother etc.) sponsored their green card, your income is considered to be their income. As you already showed that your income is good enough for the household size (at the time of filing I-864, Affidavit of Support), you are unlikely to qualify for any subsidies. Even if there are subsidies, they might be minimal.
That is certainly your choice. However, it would be considered the same as not having any compliant insurance plan. Please discuss that with your CPA (accountant) to see what is financially most efficient for you considering the kind of benefits you will have or lack.
That is not possible. You can't have your cake and eat it too.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
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Learn MoreHealthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreDid you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreYou are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreYou could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreThe U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreSchengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreYou don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreMost schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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