How does health insurance work for a new immigrant on an H-1B visa who just arrived?

Most H-1B workers get coverage through their employer, and your start date usually triggers a new-hire enrollment window; enroll promptly to avoid a gap. If there's a waiting period before benefits begin, bridge it with a short-term or marketplace plan. Lawfully present immigrants, including visa holders, are generally eligible to buy ACA marketplace coverage and may qualify for premium subsidies based on income.

Understand the U.S. system if it's new to you: you'll owe deductibles, copays, and coinsurance even with insurance, and staying in-network matters a lot. If you're on an HDHP, you can open an HSA. See wealthserene.com/assessments/immigrant-readiness to organize your first-year financial setup, including coverage decisions.