Finding Health Insurance
Get information on how to find and sign-up for health insurance including the ACA, COBRA, long term care and health care for people with disabilities.
Learn about the Affordable Care Act and find out how to enroll.
What is the Affordable Care Act?
The Affordable Care Act (ACA) was designed to give individuals and families greater access to affordable health insurance options including medical, dental, vision, and other types of health insurance that they may not have been able to get on their own or through an employer. Under the ACA:
You may be able to purchase health care through a state or federal marketplace that offers a choice of plans.
Insurers can't refuse coverage based on gender or a pre-existing condition.
Lifetime and annual limits on coverage are eliminated.
Young adults can stay on their family’s insurance plan until age 26.
Seniors who hit the Medicare Prescription Drug Plan coverage gap or "donut hole" can get a discount on medications.
Read the full text of the ACA and learn more about its provisions and relationship to patients, insurers, businesses, and families.
When to Enroll
Open enrollment is the part of each year that citizens can freely make changes to their health care coverage purchased through the ACA's Health Insurance Marketplace.
The next open enrollment period is expected to begin in early November 2019. During the open enrollment period, you will be able to:
Re-enroll in your current plan
Choose a plan for the first time
Choose a new plan to replace your current plan
Make changes to your existing insurance plan
You can enroll or change your plan year-round if you have certain life changes:
Getting married or divorced
Having a baby or adding a dependent to your family
Losing other coverage
Moving to a new state
Qualifying for Medicaid or CHIP
Check to see if your life event qualifies you to change your coverage under a Special Enrollment Period.
How to Enroll and Get Answers to Your Questions
You can learn more about and apply for ACA health care coverage in several ways.
Find the answers to common ACA questions about submitting documents, getting and changing coverage, your total costs for health care, tax options, and more.
Using Your Coverage
If you have questions about specific parts of your insurance plan, you must contact your insurance company to get answers. Only your insurance company can answer specific questions about doctors, medications, treatments, medical equipment, and what is and is not covered under your plan.
Businesses with 50 employees or fewer can offer Small Business Health Options Program (SHOP) plans to employees, starting any month of the year. Learn about small business tax credits to help companies with the equivalent of fewer than 25 full-time employees provide insurance coverage to their workers.
Health insurance helps you pay for medical services and sometimes prescription drugs. Once you purchase insurance coverage, you and your health insurer each agree to pay a part of your medical expenses--usually a certain dollar amount or percentage of the expenses.
How to Get Health Coverage
You can get health care coverage through:
Types of Health Insurance Plans
When purchasing health insurance, your choices typically fall into one of three categories:
- Traditional fee-for-service health insurance plans are usually the most expensive choice, but they offer you the most flexibility in choosing health care providers.
- Health maintenance organizations (HMOs) offer lower co-payments and cover the costs of more preventive care, but your choice of health care providers is limited to those who are part of the plan.
- Preferred provider organizations (PPOs) offer lower co-payments like HMOs but give you more flexibility in selecting a provider.
Choosing a Health Insurance Plan
Read the fine print when choosing among different health care plans. Also ask a lot of questions, such as:
- Do I have the right to go to any doctor, hospital, clinic, or pharmacy I choose?
- Are specialists, such as eye doctors and dentists, covered?
- Does the plan cover special conditions or treatments such as pregnancy, psychiatric care, and physical therapy?
- Does the plan cover home care or nursing home care?
- Will the plan cover all medications my physician may prescribe?
- What are the deductibles? Are there any co-payments? Deductibles are the amount you must pay before your insurance company will pay a claim. These differ from co-payments, which are the amount of money you pay when you receive medical services or a prescription.
- What is the most I will have to pay out of my own pocket to cover expenses?
- If there is a dispute about a bill or service, how is it handled?
Continuation of Health Coverage: COBRA
Learn how you can continue your health care coverage through COBRA.
What is COBRA?
COBRA is the Consolidated Omnibus Budget Reconciliation Act. COBRA lets workers and their families remain in the employee's group health insurance plan for a limited time after a change in eligibility.
There are three basic requirements that must be met for you to elect COBRA continuation coverage:
A qualifying event must occur. This could be voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, or divorce.
You must be a qualified beneficiary for that event
If you are entitled to COBRA continuation coverage, you must be given at least 60 days to decide whether to elect it.
How to Get COBRA
Group health plans must give covered employees and their families a notice explaining their COBRA rights. Plans must have rules for how COBRA coverage is offered, how beneficiaries may choose to get it and when they can stop coverage. For more COBRA information, see An Employee's Guide to Health Benefits under COBRA.
Get More Information or File a Complaint
For questions or complaints about your COBRA coverage, contact your plan administrator or the Employee Benefits Security Administration. Note: In some cases, you can change from COBRA coverage to Marketplace health insurance coverage.
Find resources about long-term care services, common long-term care insurance questions, and how to complain about long-term care.
Learn About Long-Term Care (LTC)
Long-term care (LTC) is a variety of services that include medical and non-medical care for people who have chronic illnesses or disabilities.
If you are thinking about long-term care needs for yourself or your loved one, these resources can help:
Long-Term Care Insurance
Most health insurance plans and Medicare severely limit or exclude long-term care. If you want coverage, you may need a separate long-term care insurance policy. Learn more about the long-term care insurance. You should consider the cost of long-term care insurance as you plan for retirement.
These questions can help you evaluate long-term care insurance policies.
- What qualifies you for benefits? Some insurers say you must be unable to perform a specific number of the following activities of daily living: eating, walking, getting from bed to a chair, dressing, bathing, using a toilet, and remaining continent.
- What type of care is covered? Does the policy cover nursing home care? What about coverage for assisted living facilities that provide less client care than a nursing home? If you want to stay in your home, will it pay for care provided by visiting nurses and therapists? What about help with food preparation and housecleaning?
- What will the benefits amount be? Most plans are written to provide a specific dollar benefit per day. The benefit for home care is usually about half the nursing-home benefit. But some policies pay the same for both forms of care. Other plans pay only for your actual expenses.
- What is the benefits period? It is possible to get a policy with lifetime benefits but this can be very expensive. Other options for coverage are from one to six years. The average nursing home stay is about 2.5 years.
- Is the benefit adjusted for inflation? If you buy a policy prior to age 60, you face the risk that a fixed daily benefit will not be enough by the time you need it.
- Is there a waiting period before benefits begin? A 20 to 100 day period is not unusual.
Complaints about Long-Term Care
To report an emergency where there is immediate danger, call 911 or contact your local authorities.
If you have a complaint about a long-term-care facility, reach out to the National Long-Term Care Resource Center to find a state's long-term care ombudsman program.
If you have an elder abuse complaint, contact your long-term ombudsman or local elder abuse resources.
Health Insurance and Health Resources for People with Disabilities
Find information about health insurance and resources for people with disabilities.
Health Coverage for People With Disabilities
If you have a disability, you have a three options for health coverage through the government.
Health Resources for People With Disabilities
Federal, state, and local government agencies and programs can help with your health needs if you have a disability.
Visit USA.gov’s Government Benefits page to learn more about government programs and services that can help you and your family.
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November 23, 2020