What Are My Options?

Shopping for health insurance can be confusing and stressful. That's why we're here to help.

Typically people get health insurance one of three ways:

  • Employer
  • Private Insurance Company
  • State or Federal Government

The new law states that people without health insurance will have to pay a fee (although in some cases individuals may be exempt). In addition, you'll be responsible for all of your healthcare costs! However, if going without health insurance is your only option you can visit a Community Health Center – they provide care to people regardless of ability to pay, but typically do not offer specialized treatment.

We encourage you to contact an Enrollment Assistor who can answer your questions and help you decide what's best for you and your family. In the meantime, click on the following links to explore your options:

Health Insurance Marketplace

Private insurance companies are no longer able to exclude applicants based on pre-existing conditions or gender; in fact, the only things that affect your premium are age, geographic location, and whether or not you smoke. This means you cannot be denied coverage. Further, depending on how much money you earn, you may qualify for a subsidy – in other words, you'll receive a discount on your monthly premium. And most people who apply are eligible for lower costs! Click here to estimate your monthly premium.

Enrollment in the Marketplace is only open during specified times of the year – the next enrollment window is from November 15th 2014 – February 15th 2015. However, it is possible to enroll outside of this window if you get married, divorced, give birth or adopt a child, change jobs, move, or are released from jail. Click here for a full list of qualifying life events.

Medicaid/CHIP/PCN

Medicaid, the Children's Health Insurance Plan (CHIP), and the Primary Care Network (PCN) are government programs that provide coverage to adults with limited incomes, children, and some people with disabilities. You can apply for these programs throughout the year. Click here for more information on Medicaid, CHIP, and PCN.

Medicare

Medicare is a Federal health insurance program for people who are age 65 or older, and certain younger people with disabilities. Click here for more information on Medicare.

American Indian/Alaska Native

If you're an American Indian or an Alaska Native you may have new health insurance benefits and protections in the Marketplace such as enrolling at any time throughout the year. Click here to learn more about your benefits.

Young Adults & Catastrophic Plans

Young adults can remain on their parent's plan until their 26th birthday, even if they are not claimed as a dependent on their parent's taxes. Additionally, people under 30, as well as those with a hardship exemption, may buy a "catastrophic plan" which protects you from very high medical costs in the case of an accident.