H1B Health Insurance

H1B Health Insurance Overview
H1B Insurance Coverage
FAQ

What is H1B?

The H-1B is a visa in the United States under the Immigration and Nationality Act, section 101(a)(15)(H) that allows U.S. employers to temporarily employ foreign workers in specialty occupations.

Which situation is suitable for Tigerless H1B Health Insurance?

Employers don’t provide any group health insurance.
Only medium and large sized companies that over 50 people provide this benefit for their employees. And most employees are required to afford part of the premium. Most U.S. employers don’t provide any insurance benefits, therefore employees need to purchase individual health insurance plans.

Plans provided by employers are too expensive or limited-benefit.
Many employees are required to pay part of the group insurance premium. And these plans usually have a high deductible from $2,000 to $10,000, or even higher. Tigerless H1B health insurance premium starts from $79, and its deductible is only $500.

Employers have restrictions on providing health insurance.
Many employers only provide health insurance benefits for employers that have worked for a period. Therefore new employees need to purchase individual health insurance before enrolling in a group insurance plan.

H1B grace period. Employees’ group health insurance will become invalid.
A few companies may provide COBRA insurance for employees who lose their health benefits. However, with COBRA insurance, people have to pay average monthly premiums of $569 to continue their individual coverage.

Miss open enrollment for ACA health insurance plans.
H1B visa holders who prefer ACA insurance but miss its open enrollment need to purchase an individual plan for this gap.

Seeking for a more affordable plan in spite of paying state tax penalty.
There is no federal penalty for not having health insurance since 2019, however, certain states and jurisdictions have enacted their own health insurance mandates. Some people prefer a non-ACA insurance and paying for tax penalty rather than an expensive ACA plan. Since the former option costs less and gets more suitable coverage.

H1B Health Insurance Requirements

In 2017, the Trump administration repealed the individual mandate (requirement for everyone to have health insurance), which applied in 2019. However, some states still have an individual mandate at the state level. Please click here and learn more.

* You may have to pay a penalty for not having health insurance if you live in one of the following:

  • Massachusetts
  • District of Columbia (Washington D.C.)
  • New Jersey
  • California
  • Rhode Island
  • Vermont

Tigerless H1B health insurance will not provide a 1095 tax form.
Policyholders who have tax file problems are recommended to follow their CPA’s advice.

Tigerless H1B Health Insurance Key Features

Affordable plan

starts from $79/month, save up to $1,000/month comparing to ACA insurance plan

Aetna network

covering 50 states

Full coverage

customized for H1B status

Lower coinsurance

as low as 90/10 coinsurance for Essential plan, and 80/20 for Pro plan

Preventive Care

Annual Physical Exams
Physical Therapy

Eg: Lin’s employer doesn’t provide health insurance benefits for him, therefore he purchased a Tigerless H1B Pro plan. Working pressure made Lin worried about his health. He made an appointment with an in-network physician and had a physical exam. According to Tigerless health insurance policy, Lin got $500 off benefit for this physical exam.

General Clinic Services

Specialist Clinic
Prescription

Eg: Zhang purchased Tigerless H1B health insurance. One day he got severe diarrhea and went to an in-network clinic. The doctor diagnosed Zhang with acute gastroenteritis. Zhang went to a pharmacy and got prescription drugs. According to Tigerless health insurance policy, the insurance company is responsible for coinsurance of the treatment fee, and Zhang, the insured, is responsible for the rest, plus deductible.

Emergency Care

Ambulance
Emergency Room
Hospitalization
Surgery

Eg: Wang purchased Tigerless H1B health insurance. One day he was seriously injured in an accident suffered. Wang was sent to the emergency room by an ambulance. The doctor gave him an X-ray examination and Wang was diagnosed with a broken arm and got cast. According to Tigerless health insurance policy, the insurance company is responsible for coinsurance of the medical fee, and Wang, the insured, is responsible for the rest, plus deductible.

Before the purchase

When can I purchase H1B health insurance?

There is no restriction of open enrollment for Tigerless H1B Health Insurance. You are eligible to purchase it when your H1B status is valid, including grace period, unemployment period and relocating, etc.

When does the insurance plan become effective?

Tigerless H1B plan will be effective from October 1st to the next September 30th. You may purchase a minimum of 150 days and a maximum of one full policy year of coverage at a time.

Who is eligible to purchase H1B health insurance?

People in H1B status are eligible to purchase Tigerless H1B health insurance plans.

Does Tigerless H1B plans provide a 1095 tax form?

Tigerless H1B plans will not provide a 1095 tax form.

My employer provides a group health insurance plan but it is overpriced. Can I choose not to enroll in the group health insurance and purchase an individual plan?

Yes. You can choose to enroll in an individual plan rather than a group plan.

I am a green card holder/U.S. citizen. Am I eligible to enroll in Tigerless H1B plans?

No. Tigerless H1B plans are only available to people in H1B status. You can contact us for more information.

Should I re-enroll in Tigerless H1B plan if I relocate to another state?

No, you don’t have to. Tigerless H1B plans use the Aetna network, covering 50 states.

Can I enroll my dependents into Tigerless H1B plans?

No. However, Tigerless provides various plans for people in different visa status including F1, OPT, J1, etc. They can enroll in these plans if necessary.

I am an employer. Can I purchase Tigerless H1B plans for my employees?

Yes. Please contact us for more details.

Purchase process

What payment methods are accepted by Tigerless?

We accept payment through credit card, debit card, PayPal, and Alipay.

Can I buy a plan on a monthly basis?

The coverage period of Tigerless H1B health insurance plans start from 150 days and only accept one-time payment.

Filing claim and getting medical services

How can I file a claim?

In general, if you choose an in-network provider, you won’t pay upfront for your medical expenses and will, therefore, avoid the reimbursement procedures. If you have to pay the full amount at the time of service, please collect all your bills/invoices and contact our customer service representative.

How can I find in-network doctors/hospitals?

You can get medical services in any medical institutions. If you need to find in-network doctors/hospitals, please click here to search and make an appointment. Please contact us if you need further assistance.

H1B Health Insurance