The United States, often referred to as the land of opportunity, is a melting pot of cultures, opportunities, and experiences. If you’re a newcomer to the USA, embarking on this exciting journey can be both thrilling and overwhelming. This comprehensive guide aims to provide newcomers with essential information to help ease the transition and make the most of their experience in the United States.

A. Social Security Number (SSN)

Social Insurance Number (SSN) is a crucial identifier for work, tax, banking, borrowing and government benefits. Generally, you are eligible if you have a valid visa that permits you to work. Ensure you understand your visa type and the terms of your immigration status. Familiarize yourself with any restrictions or requirements associated with your visa.

To apply for a SSN, you need to bring required document toa local Social Security office, and if everything is in order, you’ll receive a Social Security card with your number on it by mail within 14 days.

Note: If you are not eligible for a SSN, you might be eligible for an Individual Tax Identification Number (ITIN), which can be used as identifier for tax, banking and borrowing.

Important: To avoid/mitigate identity theft, do not share your SSN with anyone, except with institutions and agencies (e.g. bank, federal government, state government) that you know can ask for your SSN. Do watch out for scam calls that pretend to be a government agency and ask for your SSN.

B. Health Insurance

In the United Sates, the U.S. healthcare system typically requires individuals to have health coverage. This is crucial for accessing medical services and managing potential healthcare costs. U.S. healthcare system is private, that means there is no public funded health coverage. You or your employer will need to buy health insurance from private health insurance providers.

Important: Some employers provide several options for health insurance for employees. It is important to understand the coverage and cost of different options to choose what is suitable for you (and your family).

C. Bank Account and Credit History

You should open a bank account as soon as you arrive in order to manage your cash and finance. In the United States, credit history is very important to apply for bank credit cards, loans, etc, so it is important that you try to get your very first credit cards to start building credit history.