Frequently Asked Questions
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Anyone who is lawfully present in the U.S. and not eligible for employer-sponsored or government health programs (like Medicare) may qualify. This includes citizens, green card holders, and many visa types — including F-1 students.
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Most people do. Subsidies (also known as Advance Premium Tax Credits) are based on your estimated household income and family size. In 2025, individuals earning up to 400% of the federal poverty level — and in many cases even beyond — may qualify.
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Your subsidy is based on your estimated annual income and household size. Even if you have variable income, you can still apply using a good-faith estimate. We help you calculate this during enrollment.
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You should update your income on Healthcare.gov or GetCoveredNJ.gov right away. This may adjust your subsidy amount. We assist all our clients with these updates at no charge.
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Open Enrollment typically runs from November 1 to January 15 each year. You may qualify for a Special Enrollment Period (SEP) outside of these dates if you've had a life event such as:
Loss of employer coverage
Marriage or divorce
New baby or adoption
Move to a new ZIP code
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Both are official ACA marketplaces. GetCoveredNJ.gov is New Jersey’s state-based exchange, while Healthcare.gov serves most other states. Both offer the same subsidies and protections.
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Typically:
Proof of income (recent pay stubs or tax return)
Social Security numbers (or immigration documents for non-citizens)
Mailing address
Birthdates of family members
We help you gather and upload everything needed.
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All ACA-compliant plans include:
Doctor visits & hospital care
Prescription drugs
Mental health care
Preventive care (like screenings and vaccines)
Maternity and newborn care
Emergency services
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Yes. ACA plans cannot deny coverage or charge more based on pre-existing conditions.
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Yes — lawfully present immigrants, including those with work visas, green cards, and F-1 student visas, are eligible to apply for ACA coverage and may qualify for subsidies.
Note: Many online sources incorrectly state F-1 visa holders are not eligible. CMS, HHS, and Healthcare.gov confirm that lawfully present F-1 students are eligible. -
Yes. F-1 visa holders are considered "lawfully present" under the ACA and are eligible to apply on Healthcare.gov or GetCoveredNJ.gov. Most students qualify for generous subsidies based on their limited income.
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Not always. ACA plans often offer more comprehensive coverage at lower prices than private student health plans — especially when subsidies are applied.
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Yes — as long as they remain lawfully present, they can keep their ACA plan until their visa expires or they transition to a different status.
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Your I-20 and F-1 visa
Proof of U.S. residency (a lease or school letter)
Estimate of income (even if $0, you may still qualify!)
We walk you through the entire process.
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People aged 65+ or under 65 with certain disabilities qualify. You must also be a U.S. citizen or lawful permanent resident with at least 5 years of residency.
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Part A: Hospital coverage
Part B: Doctor and outpatient coverage
Part C (Medicare Advantage): Combines A & B and often includes drug coverage
Part D: Prescription drug coverage
Medigap: Supplemental coverage to fill in cost gaps
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The Initial Enrollment Period is 3 months before, the month of, and 3 months after your 65th birthday. We can also help with Special Enrollment Periods if you’re coming off employer coverage.
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Medicare Advantage (Part C) combines all your coverage into one plan, while Medigap supplements your original Medicare. We help compare both and find what fits your lifestyle and budget.
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Absolutely. Our team offers ongoing support for changes, renewals, and troubleshooting. You’ll never have to call a 1-800 number.
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No. Health Benefits 360 LLC is a licensed agency, and we are compensated by the insurance companies — not by you. Our services are always free to clients.
