Tony Novak profile picture
  "AskTony" column archive        


Most Popular

AskTony Archive

This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

New questions

Submit consumer finance questions at and health insurance questions at

Sponsored by: Insurance Exchange - your source of valuable information on state and federal health reform benefits.

Core Health Insurance - America's favorite mini-med insurance  with affordable premiums, freedom to choose providers, optional PPO discounts and guaranteed eligibility regardless of medical conditions.

Please support the Web sites that make publication of AskTony services possible.

Insurance for U.S. citizen returning

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: My father is planning to immigrate to US. Did instant quote on for 12 month coverage and premium was roughly $1300. Is this per month or for the full 12 months?

A: That is the total annual cost of this insurance for 12 months. Most applicants coming into the country pay the whole amount in advance (possibly for the peace of mind knowing that the heath care issue is resolved prior to the moving date). You can pay less by specifying a monthly or quarterly premium payment. This is meant to be an affordable insurance plan and the premiums average about $100 per month; a bit less for younger applicants and a bit higher for older applicants. In many cases this is the best health insurance value available to a person who is new to the U.S. and often is a better deal than the insurance available to regular longtime US citizens!


More resources:

"Inbound Immigrant" health insurance