Obamacare health insurance for H4


abhaya

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Hello experts,

 

My wife will be landing in the US in mid Aug 2016 and she is pregnant.

 

1. I am working on H1 in the USA. I have my employer's group insurance. But the insurance premium for my wife is high (~ $600/mo) and I need to pay the full premium. So, can I take an insurance from healthcare.gov for my wife and not take employer's group insurance? I read that pregnancy is covered in Obamacare marketplace and I am getting a better plan in the marketplace.

 

2. Will the coverage for my wife start immediately when I apply from the marketplace of do they have an approval process which I need to wait for?

 

3. Also, Can I also move from employer's group insurance to healthcare.gov? please suggest. This would reduce my monthly premiums.

 

Thanks,

Arjun

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