I was never able to figure it out completely and mean time my parents decide to go back to Nepal and I stopped looking further. But few things I figured out.

1.) To be it looks like the only legit and decent insurance option if from obama care through market place.
2.) there is some confusing details on how to deal with application, tax detail, will they get subsidized etc. My recommendation is to work with one of those local agency in immigrant heavy area, which help for ACA enrollment . They usually seems to know those details .
3) There are some local hospital or heal system which have some kind of community plan , that seems to work for some people.
4) At some point I was considering moving to state with state funded universal heal insurance :), almost 2k for insurance for two parents was not workable for me.
5) if they live 5 yrs , you can buy some part of Medicare for around 500 , depending on state u live.
6) Majority of Nepalese don’t bother to but insurance or at least that’s what it felt like to me.