My parents (early 70s) are moving to the US from Europe next year. They’ll be financially dependent on me. They only get about $1,500/month from a European pension, no other income.
A few things I’m trying to figure out:
- For the first 5 years (before Medicare), can new green card holders get ACA marketplace plans that are heavily/fully subsidized at that income level?
- After 5 years, do they qualify for Medicare — and is it actually affordable if income/assets are low?
- What should I expect in terms of monthly costs under ACA vs Medicare?
- Does it matter if I claim them as dependents on my tax return? Would that change subsidy eligibility or costs?
- Anything else I should know when planning coverage for them?
Would love to hear from anyone who’s gone through this or knows the ins/outs.
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