What is an H-2B Visa?
An H-2B visa is a temporary visa for nonagricultural workers who fill vacant positions when there are not enough U.S. workers who are able, willing, qualified, and available to do the temporary work. The need for such workers is typically seasonal or intermittent.
Employers are required to obtain approval from the U.S. Department of Labor, and the wages of H-2B workers must not adversely affect the wages and working conditions of similarly employed U.S. workers.
Whether or not the employers who are employing H-2B visa temporary workers qualify as a large employer and whether or not they are required to offer the temporary employees domestic health insurance is a complex matter and should be confirmed with their attorney.
H-2B Visa Insurance Options
ACA Compliant Insurance
H-2B visa holders qualify to purchase Affordable Care Act (ACA) compliant domestic health insurance within 60 days of their arrival from the marketplace under a special enrollment period.
Short-Term Medical Insurance
For any reason, if the H-2B visa holder can't buy ACA coverage, temporary short-term medical insurance is available to purchase for both individuals and groups of five or more for the entire duration of their stay.
Workers compensation is not a health insurance and it does not cover any non-work related injuries or sicknesses.
There are many suitable H-2B temporary nonagricultural workers health insurance plans available to choose from. Employers and employees can get quotes for many different products, compare them side by side, and purchase the plan of choice instantly on this website.
H-2B visa nonagricultural medical insurance can generally cover any new medical conditions, injuries or accidents that may occur after the effective date of the policy.
Individual medical insurance can cover an individual alone or the individual and their family members (spouse and dependent children) that traveled with the temporary nonagricultural worker. For groups consisting of five or more H-2B temporary non-agricultural workers, the same coverage is provided at around a 10% lower cost. For groups of 25 or more H-2B non-agricultural workers, the same coverage is available at an even lower cost. It really is advantageous for employers to purchase the temporary workers' group medical insurance.
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