We immigrated from São Paulo and needed coverage before my husband's employer benefits started. The 90-day gap was scary — Ombrela bridged it perfectly.
Sofia M.
K-1 visa · São Paulo → Texas
04 · New Immigrant Insurance
Bridge the gap. Day one ready.
Health insurance for new green card holders, K-1 visa spouses, and arriving immigrants — designed for the gap before ACA marketplace enrollment or employer benefits begin. A-rated U.S. carriers underwrite every plan.
━━ACA-bridge designed
━━K-1 spouse coverage
━━Coverage from day one
━━Up to 3 years
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Ombrela — premium travel insurance
Who this is for
The first year
is the hardest.
01New green card holders (5-year Medicaid wait)
02H-1B holders before employer benefits begin
03L-1 intracompany transferees in onboarding
04K-1 fiancé visa holders awaiting adjustment
05Family members arriving before sponsor benefits extend
06Anyone bridging work authorization to benefits
Real reviews
What travelers
actually say.
4.8
53 reviews · 4.8/5 average
Medicaid has a 5-year wait for new residents. I needed a bridge plan that was actually affordable. Got it through Ombrela for $180/month with real $1M coverage.
Diego F.
New green card · Mexico City → Phoenix
Brought my elderly mother over. Hardest case for insurance — she is over 70 with pre-existing conditions. Ombrela found one specialty carrier that took her. Lifesaver.
Fatima A.
Family-based · Karachi → New Jersey
My company HR was useless on the gap-coverage question. Ombrela explained the issue in three sentences and had me covered same day.
Henrik J.
L-1 transfer · Copenhagen → Chicago
Questions
Bridge coverage, demystified.
01
What is bridge (gap) coverage for new immigrants?
It is short-to-medium-term medical coverage that protects you during the window before employer benefits, marketplace coverage, or Medicaid eligibility begins — a gap that can last weeks or, for some new residents, much longer.
02
Who is this for — green card, K-1, H-1B, L-1?
New green card holders, K-1 fiancé(e) visa holders, and H-1B/L-1 transferees commonly use these plans to stay covered while waiting for other coverage to start.
03
New residents face a 5-year Medicaid wait — does this help?
Yes. Many lawful permanent residents are subject to a waiting period before Medicaid eligibility. A bridge plan is a way to maintain medical coverage affordably during that period.
04
Can I cover older parents or relatives?
Some specialty carriers cover older applicants and those with pre-existing conditions. Availability and pricing depend on age and health history — run a quote to see which carriers will offer coverage.
05
How long can the coverage last?
Depending on the plan and carrier, coverage can be purchased for short trips or renewed over longer periods. The duration and renewability of each plan are shown in your results.