Can I apply for medical insurance with an l2 visa in the United States?

Go to the United States for business investigation and short-term work.

Hold a non-immigrant visa (such as B 1/B2, J 1? Visa, etc. Can foreign tourists who go to the United States for business investigation, short-term work or visit and exchange participate in Atlas America? American travel medical insurance covers medical treatment and travel accidents.

Foreign employees who come to the United States for long-term work with work visas such as H 1B and L 1 usually need to participate in long-term medical insurance in the United States like local residents according to the provisions of the American medical law. Holding H 1/H4 and L 1/? L2？ Employees waiting for work visas and their families can use Atlas America insurance as transitional medical insurance when they first go to the United States, until the medical insurance provided by the company or the local medical insurance they applied for in the United States takes effect.

The coverage of Atlas American insurance mainly includes medical treatment, travel and emergency medical rescue. In addition, insurance also includes accidental death/disability compensation and 24/7 global customer service.

Medical insurance refers to sudden illness or injury while traveling or living abroad, and the insurance company can pay the relevant medical expenses for you.

Travel accident protection includes lost luggage, travel interruption, natural disasters, political turmoil in the destination country, and terrorist attacks that affect travel.

Emergency medical rescue guarantee refers to the rescue of patients with life-threatening diseases organized by insurance companies and transported to hospitals with rescue ability as quickly as possible. The insurance company will also pay travel expenses, arrange emergency family reunions and return unaccompanied children. ?

If the insured dies or suffers from disability (amputation, blindness, etc. Due to traffic accidents or other reasons, the insurance company will pay compensation for accidental death/disability within the scope of protection. If the insured dies unexpectedly, the insurance company will arrange for the body to be sent back to the country or cremated locally, and pay the corresponding expenses. ?

Insurance companies provide 24-hour global customer service, including free Chinese translation, help you find a doctor's hospital, help you communicate with doctors about your illness or solve travel accidents, help you find lost luggage and help you deal with lost passports. ?

How to participate in medical insurance for long-term work in the United States?

Since 20 14, the United States has fully implemented the Patient Rights and Affordable Care Act, also known as Obamacare reform. According to the provisions of the Affordable Care Law, American citizens living in the United States, permanent immigrants with green cards, legal foreign residents, etc. You must participate in medical insurance that meets the standards of the Medical Law, or you will be fined. This is the individual compulsory medical insurance clause of the Patient Protection and Affordable Care Act. Foreign residents who work and pay taxes in the United States with work visas such as H 1 and L 1 also need to abide by the medical law and participate in medical insurance.

At the same time, the Affordable Care Law requires companies that employ 50 or more full-time employees to provide employees with collective medical insurance that meets the standards of the Medical Care Law. Otherwise, the IRS and the IRS will impose a fine on the company. This is the employer authorization clause of the Patient Protection and Affordable Care Act. The Affordable Care Law does not require companies with less than 50 full-time employees to provide medical insurance for their employees.

Employees working in the United States, including foreign employees with visas such as H 1 and L 1, can generally participate in the company's collective medical insurance. If the company does not provide insurance, then you need to apply for personal medical insurance in the insurance market. Eligible American citizens and permanent immigrants who have obtained green cards can also apply for government medical insurance, such as Medicaid low-income medical insurance and Medicare medical insurance for the elderly.

Which enterprises must provide medical insurance for their employees?

According to the mandatory provisions of the Affordable Care Law, starting from 20 16, enterprises that employ 50 or more full-time employees must provide medical insurance for their full-time employees that meets the standards of the Medical Care Law.

The mandatory regulations of the employer require that the medical insurance provided by the company for employees must be affordable and adequate. Affordability means that after the company pays part of the medical insurance premium, the medical insurance premium paid by the employee cannot exceed 9.5% of the employee's annual family income. Adequate protection means that medical insurance must guarantee the basic medical services stipulated in the Medical Law, and insurance companies must share at least 60% of the medical expenses. You can learn about the requirements of the Affordable Care Law for basic medical insurance protection here.

The Medical Law does not require companies to provide medical insurance for employees' spouses, but requires employees' families under 26 to provide medical insurance. After the children reach the age of 26, the company doesn't have to continue to provide insurance for them. If the employee's family members are unable or unwilling to participate in the collective medical insurance provided by the company, they can participate in medical insurance in other ways, such as participating in the medical insurance of their own units and applying for personal medical insurance in the insurance market.

Employees and/or their families who participate in medical insurance through the company can meet the individual compulsory medical insurance provisions of the Medical Law. According to the Medical Law, if the company provides employees with medical insurance that meets the requirements, employees can no longer apply for government medical insurance subsidies.

Foreign employees who legally live and work in the United States with work visas such as H- 1 and L- 1 can participate in the company's medical insurance like local employees. If you work in the United States and pay taxes, and you are a resident foreigner recognized by the IRS, then you also need to abide by the provisions of the Medical Law on individual compulsory medical insurance. If you don't participate in medical insurance that meets the standards of medical law, you will be fined by the IRS.

Catch H4, L2? Family members waiting for a visa also need to participate in medical insurance if they live in the United States for a long time. Because the Medical Law does not force companies to provide medical insurance for employees' spouses, some companies allow employees' families to participate in the company's collective medical insurance, and some companies may not accept spouses to participate in the company's medical insurance, or it will be much more expensive to add spouse insurance premium. In this case, employees' spouses and children can apply for personal medical insurance in the medical insurance market.

For companies with 50 or more full-time employees, if the company does not provide medical insurance for full-time employees in accordance with the requirements of the Affordable Care Law, then? The IRS will fine the company.

Fines mainly include:

According to the provisions of the Medical Law, if the company fails to provide employees with medical insurance that meets the requirements of the Medical Law, the fine will be $2,000 per employee per year.

If the insurance fails to meet the comprehensive protection requirements of the Medical Law, employees will apply for government medical insurance subsidies in the insurance market, and each employee who applies for government medical subsidies will be fined $3,000.

Before the implementation of the Affordable Care Law, some companies did not provide collective medical insurance for employees, but employees can reimburse their medical insurance premiums after participating in individual medical insurance. According to the new regulations of the State Administration of Taxation, under normal circumstances, this arrangement of the company can not meet the requirements of the Medical Law for the company's medical insurance liability, and it will also be fined. The fine amount is $65,438+000 per employee per day, which means that the fine can reach $36,500 per employee per year. This is? Relevant regulations of the IRS.