Quick answer
Yes. If you’re waiting for a green card and are lawfully present, for example with a pending adjustment application based on an approved petition, or on a valid visa, you can buy a marketplace plan. Through 2026 you may qualify for a premium tax credit if your income is at least the poverty level, but starting in 2027 tax credits are limited mainly to people who already have a green card. Job-based coverage and plans bought directly from insurers are other options.
Key takeaways
- Many people waiting for a green card are lawfully present and can buy marketplace plans.
- Tax credits for people without a green card end after 2026, except for Cuban and Haitian entrants and COFA migrants.
- Once you get your green card, you can qualify for marketplace tax credits right away if your income qualifies.
- Most new green card holders wait five years for Medicaid.
- Travel or visitor insurance is limited coverage, not a substitute for a full health plan.
On this page
Your coverage options while you wait
| Option | What to know |
|---|---|
| Job-based plan | Usually the best deal if your employer offers one |
| Marketplace plan | Open to lawfully present immigrants; tax credits through 2026 if you qualify |
| Plan bought directly from an insurer | Same ACA protections, no tax credit |
| A spouse’s job-based plan | Marriage is a qualifying event to join |
| Visitor or travel medical insurance | Limited, often excludes pre-existing conditions; for short stays |
When you get your green card
Green card holders can get marketplace tax credits if their income qualifies, including after the 2027 changes. Getting a new immigration status that makes you eligible for the marketplace can also open a special enrollment period. Medicaid is different: most green card holders must wait five years, though many states cover children and pregnant people sooner. See can I get health insurance if I’m not a U.S. citizen and what Obamacare is.
Health coverage and your application
Buying private health insurance, through a job or on your own, is generally seen as a sign you can cover your medical costs. Rules about how using public benefits affects a green card application (“public charge”) have changed over time and may change again, so talk with an immigration attorney before applying for Medicaid or other public programs.
Medicare later on
Green card holders can generally qualify for Medicare at 65 after meeting work or residency requirements. See who is eligible for Medicare.
See marketplace plans you may qualify for: compare quotes by ZIP code.
Frequently asked questions
Can I get Obamacare while my green card is pending?
If you’re lawfully present, yes. Through 2026 you may get a tax credit; starting in 2027, most people without a green card pay full price.
Will having health insurance help my green card application?
Health coverage can show you’re able to pay for medical care. Ask an immigration attorney how it applies to your case.
Can I get Medicaid while waiting for my green card?
Usually not. Most green card holders must wait five years, and federal Medicaid eligibility for other statuses narrows starting October 1, 2026.
Sources
This article is general information, not legal or immigration advice. Talk with an immigration attorney about your situation. Last reviewed September 2026.