Home / FAQ / If I’m not eligible for Medicaid because I’m new to the United States, can I enroll in a qualified health plan (QHP) and get help paying premiums and/or cost-sharing reductions for health insurance?

If I’m not eligible for Medicaid because I’m new to the United States, can I enroll in a qualified health plan (QHP) and get help paying premiums and/or cost-sharing reductions for health insurance?

Yes, lawfully present immigrants are eligible to enroll in a qualified health plan, or “Marketplace plan,” through Maryland Health Connection if they are Maryland residents. In addition, lawfully present immigrants can get tax credits to help pay premiums and cost-sharing reductions for health insurance through Maryland Health Connection. They can get tax credits to help pay premiums if their income is below 400% of the federal poverty level. The amount they pay for using services through their plans in the form of deductibles, copayments or coinsurance will also be lowered thanks to a cost-sharing reduction if they make below 250% of the federal poverty level (or 300% if they are an American Indian or Alaska Native). As with citizens, to get this help, they cannot be offered affordable health insurance through their job or be eligible for Medicaid.

Remember that lawfully present immigrants who make less than 100% of the federal poverty level also can get help paying premiums and cost-sharing if they cannot enroll in Medicaid. Many lawfully present immigrants cannot enroll in Medicaid until they have been in the United States for five or more years, but may still be eligible for emergency medical services through the Medicaid program, including labor and delivery services, if they meet all other eligibility requirements. For more information about Emergency Medicaid, click here.

Undocumented immigrants cannot receive help paying for premiums or cost–sharing reductions for Maryland Health Connection coverage and may not buy health insurance through Maryland Health Connection even at full cost.