Every year, thousands of agricultural workers come to the USA from Mexico and Central America on an H-2A visa for temporary work.
H-2A workers qualify for an Affordable Care Act (ACA) compliant plan and they can enroll into such plan within 60 days of arrival in the US under a Special Enrollment Period (SEP).
Depending upon the size of the employer, they might also be required by the law to provide them health insurance.
However, H-2A visa holder agricultural workers are typically low wage earners and their employer may not provide health insurance. Additionally, certain noncitizens may qualify for an exemption from purchasing ACA compliant plan if they file taxes as non-resident alien, they can’t afford it, or if their income is below tax filing threshold.
Workers’ compensation insurance does not qualify as health insurance and it would not cover non-work-related injuries or sicknesses.
With the healthcare expenses being so high in the U.S., a simple visit to the emergency room could cost a few thousand dollars. Many H-2A workers may not even seek healthcare due to lack of knowledge or fear.
Fortunately, several affordable short term medical insurance plans are available; theses plans provide coverage for any medical conditions, injuries or accidents that may occur after the effective date of the policy. They don’t cover routine care related to pre-existing conditions, maternity, or a wellness checkup.
Buying H-2A Visa agricultural health insurance is instant and easy. There is no paperwork required. You can get instant quotes for multiple products, compare them side by side, and make an instant purchase online.