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For Legal Immigrants, Obamacare Has Options for Aging Parents

A view of the the Statue of Liberty. (Timothy Clary/AFP/Getty Images)

A view of the the Statue of Liberty. (Timothy Clary/AFP/Getty Images)

Mohan Iyer has been in a bind. He’s lived in the U.S. since he came here for college from India in 1980. He ultimately got a job, a green card and became a citizen in 1994. Most of his siblings live here now, too.

After his father passed away two years ago, Iyer and his siblings have wanted their mother to move here. But there’s one big problem: she is effectively barred from any kind of reliable health insurance.

“Health care has been a big issue,” said Iyer, who is 50 and lives in Menlo Park.

New immigrants of any age can purchase health insurance on Covered California
That’s because new immigrants over age 65 are not eligible for Medicare. For legal immigrants like Iyer, who are people of working age, the impossibility of obtaining health insurance for their parents has been a barrier in their hopes of moving aging parents or grandparents to the U.S.

Americans over 65 tend not to worry much about health insurance, because of Medicare, the government insurance program for the elderly and the disabled. But while Medicare is available to virtually all citizens, starting at age 65, immigrants legally present in the U.S. for less than five years are not eligible.

And because of the very existence of Medicare, private insurance companies generally do not offer health insurance plans for those over 65. “There are health insurance options,” Iyer said, “but these are usually catastrophic traveler’s insurance. They usually have a very high deductible and they’re expensive.”

They also tend to exclude pre-existing conditions, he said. Continue reading