Insurance/What to Do If You're Feeling Unwell

Undocumented immigrants in the United States face serious challenges when trying to access health insurance due to strict federal restrictions. They are not eligible to purchase coverage through the Affordable Care Act (ACA) Marketplaces and cannot enroll in federally funded programs such as Medicaid or the Children’s Health Insurance Program (CHIP)—except for emergency services.

While it is technically possible to purchase health insurance directly from a private insurance company, this option is often prohibitively expensive. Undocumented individuals do not qualify for federal subsidies or tax credits that help reduce monthly premiums, making private plans unaffordable for many.

That said, there are still some options for health coverage:

• Employer-Sponsored Insurance: If employed, an undocumented worker may be able to get coverage through their job if the employer offers benefits.

• Student Health Plans: Many colleges and universities offer health insurance plans to students regardless of immigration status. If you are enrolled as a student, check with your school about available coverage.

• State and Local Programs: Some states and cities have created programs that provide health coverage to low-income residents regardless of immigration status. These programs vary widely, so it’s worth checking what’s available in your state or city.

What to Do If You're Sick or Feeling Unwell

If you’re experiencing illness, pain, or any discomfort, you should not wait to seek help. Even if you’re uninsured, there are affordable and safe places to go for care:

• Community Health Centers: These federally funded clinics provide medical care on a sliding fee scale based on your income. They serve everyone, regardless of immigration status or ability to pay.

• Migrant Health Centers: Specifically designed to support migrant and seasonal agricultural workers and their families, these centers also operate on a sliding scale and offer primary and preventive care.

• Public or Nonprofit Hospitals: Many of these facilities offer financial assistance programs and won’t turn you away if you’re unable to pay.

• Emergency Care: If you are experiencing a medical emergency, go to the emergency room. Hospitals are required by law to treat you regardless of your immigration status or ability to pay. If you meet certain criteria, you may qualify for Emergency Medicaid to help cover the cost of emergency treatment.

Need Help Navigating Your Options?

You’re not alone. Reach out to:

• Local immigrant advocacy organizations

• Health navigators at community clinics

• Legal aid organizations that specialize in immigrant rights and healthcare access

They can help you understand what resources are available and how to apply for care safely and confidentially.