Health Insurance from Only $13/Month for EB3 Visa Applicants

Healthcare costs are always a top concern when you prepare to embark on your immigration journey to the US. Many EB3 Visa workers still think that health insurance in the US is a huge expense, but the reality is completely different. With premiums starting at just $13 per month thanks to federal government support programs, protecting your health and your family’s health is no longer the burden you might fear.

1. EB3 Visa and Access to Affordable Healthcare

When you arrive in the US under the EB3 program, you don’t just receive stable employment opportunities but also enjoy many important benefits. One of the most notable benefits is the ability to access health insurance at extremely reasonable costs.

For newly settled workers, the US healthcare system can make many people feel confused. However, the US government has established special support mechanisms for legal immigrants, helping them integrate easily and not worry too much about financial issues in the early stages.

2. The Golden 60-Day Window to Enroll in Insurance

Right after entering the US with an EB3 Visa, you automatically qualify for a Special Enrollment Period (SEP). This is a 60-day timeframe during which you have the right to enroll in health insurance plans without having to wait for the regular annual enrollment cycle.

This is an important opportunity that you absolutely should not miss. If you don’t take action during this time period, you may have to wait until the next enrollment period – usually at the end of the year. This means you and your family will not have the necessary health protection for many months.

The SEP policy is designed specifically for individuals going through major life changes such as getting married, having a child, or moving to another country. People with EB3 Visas are exactly the ones eligible to fully enjoy this benefit.

3. The Secret Behind the $13/Month Price

You’re probably wondering how health insurance in the US – a country famous for sky-high healthcare costs – can cost only $13 per month? The answer lies in the Premium Tax Credit program.

This is a financial support policy established by the US federal government to help people with low and middle incomes access healthcare services. This support is not a loan – you don’t need to repay it at all. This is a direct subsidy applied to your monthly health insurance premium, significantly reducing the cost burden.

Workers under the EB3 program typically belong to the income group eligible to receive this support. Depending on household income, number of dependents, and living area, the subsidy can reduce your health insurance costs to just $13 to a few dozen dollars per month.

4. Stability of the Support Program

A common question is whether this support program is sustainable? Is there a risk of it being cut in the future?

The good news is that the Premium Tax Credit has been officially recognized and permanently maintained in US law. This means the risk of it being canceled or suddenly cut is extremely low. Previously, many people worried about political changes that could affect social welfare programs, but recent legislation has affirmed the government’s long-term commitment to this program.

People with EB3 Visas and their families can be completely assured in making long-term financial plans without worrying about sudden healthcare cost increases or unexpected loss of benefits.

5. Real-World Example: Insurance Costs in Georgia

To help you visualize more clearly, let’s look at a specific example. Suppose you’re a worker under the EB3 program and decide to settle in Savannah, Georgia – one of the popular locations for the Vietnamese immigrant community.

When you access the official website healthcare.gov and enter the zip code of the area where you live, the system will automatically calculate the subsidy you’re eligible to receive based on your income information and family size. The results may show health insurance plans with premiums starting at just $13 per month after subtracting the government subsidy.

What’s noteworthy is that this program is not limited to Georgia. The federal subsidy policy is widely applied across all 50 states, allowing most people with EB3 Visas to access it regardless of where you live in the US.

6. Step-by-Step Insurance Enrollment Guide

The process of enrolling in health insurance in the US can be confusing for newcomers, especially when getting familiar with a completely unfamiliar system and terminology. Below is a detailed process to help you proceed as smoothly as possible:

6.1. Step 1: Find a Reputable Insurance Agent

The first thing you should do is contact a reputable and fully licensed health insurance agent. They are experts with deep knowledge of the healthcare.gov system and experience working with immigrants. The important point is that the agent’s services are completely free – they receive commissions from insurance companies rather than charging additional costs from you.

6.2. Step 2: Prove SEP Eligibility

When you first arrive in the US with an EB3 Visa, you need to provide documents proving that you’re eligible to participate in the “Special Enrollment Period.” Documents typically include entry stamps, passport, Visa, and possibly proof of residence address in the US.

6.3. Step 3: Access the Official Portal

The official website for enrolling in health insurance managed by the federal government is healthcare.gov. Some states have their own lookup systems, but your agent will know exactly which site you need to access appropriate to your living area. They will guide you through filling out all necessary information.

6.4. Step 4: Analyze and Choose the Right Plan

The system will display a list of available insurance plans based on your geographic location, income level, and family structure. Each plan has different coverage levels – from Bronze, Silver, Gold to Platinum. The agent will help you understand the benefits of each type and choose the most optimal plan for customer needs.

Most plans are eligible for the Premium Tax Credit, so the cost after subsidy is usually very affordable for EB3 program workers.

6.5. Step 5: Complete and Activate

After selecting your preferred plan, the agent will help you complete all enrollment procedures. The health insurance activation time is usually very fast, possibly just a few days to a few weeks. You will receive an insurance card and can start using healthcare services immediately.

7. Protecting Your Whole Family Affordably

If you immigrate with your spouse and children, calculating health insurance costs for the entire family is also very simple. The online cost calculation tools on healthcare.gov allow you to enter information about all members of your household to see estimated premiums.

Family insurance plans still receive the Premium Tax Credit similarly, meaning you can protect the health of your whole household at extremely affordable costs. Having complete health insurance for everyone in the family helps you feel more at ease when starting your new life in America.

8. Breaking Down Common Misconceptions

One of the most common misconceptions is that health insurance in the US is always extremely expensive and only for the wealthy. This is only partially true. For those who don’t receive support and must buy completely private insurance at their own expense, premiums can indeed be very high.

However, for legal workers like those with EB3 Visas, this is a different story. Thanks to government subsidy programs, health insurance becomes accessible and suitable for the vast majority of workers’ budgets. The important thing is that you need to clearly understand your rights and act at the right time.

Understanding and properly taking advantage of the “Special Enrollment Period” along with the Premium Tax Credit can help you save thousands of dollars per year and ensure health security for your whole family.

9. Benefits of Working with Health Insurance Experts

The US healthcare system has many layers and complex regulations. For newcomers from a country with a completely different healthcare system, trying to research and enroll on your own can cause many unnecessary difficulties.

That’s why working with a professional health insurance agent is highly recommended. These experts not only help you save time but also ensure you don’t miss any benefits you deserve.

Agents can:

• Remind you about important deadlines so you don’t miss enrollment cutoffs
• Collect and thoroughly check all necessary documents
• Explain in detail the terms and benefits of each insurance plan in easy-to-understand language
• Process applications quickly in both the federal system and individual state systems
• Support resolving issues that arise during service use

10. Online Support Tools

Besides working with agents, you can also explore options yourself through cost calculation tools on the official lookup site. This is a free tool that allows you to estimate health insurance costs and the subsidy level you may receive.

Just enter some basic information like zip code, expected annual income, and number of people in the family, and the system will immediately display suitable insurance plans along with premiums after subtracting government support.

This tool is very useful for you to get a preliminary view before deciding to contact an agent or proceed with official enrollment.

11. Conclusion

If you’re in the process of preparing your EB3 Visa application or have already received your Visa and are about to depart for the US, put the health insurance issue at the top of your priority list.

Don’t let worries about healthcare costs hinder your immigration journey. With available support programs and premiums starting at just $13 per month, protecting your health and your family’s health is no longer the financial burden many people think it is.

Newland USA, with a team of experienced experts and the motto “Stable Settlement – Lifelong Prosperity,” is ready to advise and support in preparing applications and accompanying clients throughout the EB3 US immigration process. Contact Newland USA immediately via hotline 0785591988 or email: newsletter@newlandusa.asia for detailed and free consultation.

Learn more:

• 8 Common Mistakes That Cause EB3 Visa Applications to Be Delayed for Extended Periods
• The Most Frequently Asked Questions About EB3 Visa for U.S. Immigration – Updated 2025
• What should you prepare to increase your pass rate for EB3 Visa interview?
• Settling in the USA with EB3 Visa – The Solution to Long Waiting Lines of F3 Category