Find Affordable Health Insurance That Fits Your Needs

Health insurance provides financial security by covering unexpected medical expenses. It also ensures access to preventive care, such as annual checkups and vaccinations, which help maintain your overall health.

• Individual and Family Plans: Comprehensive coverage for individuals or families, often ACA-compliant.
• Marketplace Plans: Affordable Care Act (ACA) plans with potential income-based subsidies.
• Medicare: Coverage for individuals aged 65+ or those with certain disabilities.
• Medicaid: Low-cost or free insurance for eligible low-income individuals and families.

Most health insurance plans cover:

• Routine checkups and preventive care.
• Emergency services and hospital stays.
• Prescription medications.
• Specialist visits and mental health services.
• Maternity and newborn care.

Yes, under the Affordable Care Act (ACA), insurance companies cannot deny coverage or charge higher premiums due to pre-existing conditions.

The Marketplace is a platform where individuals and families can compare ACA-compliant health plans. Depending on your income, you may qualify for subsidies to lower your premiums.

• Medicare: A federal program for individuals aged 65+ or those with specific disabilities.
• Medicaid: A state and federally funded program providing low-cost coverage for eligible low-income individuals and families.

• Shop around and compare quotes to find affordable rates.
• Check eligibility for subsidies through the Marketplace.
• Opt for a plan with a higher deductible if you don’t anticipate frequent medical needs.
• Use in-network providers to minimize costs.

• Open Enrollment Period (OEP): The annual window to sign up for health insurance.
• Special Enrollment Period (SEP): If you experience qualifying life events like marriage, childbirth, or job loss, you may be eligible to enroll outside the OEP.

Subsidies are financial assistance programs under the ACA that help lower your monthly premiums. Eligibility is based on income and household size.

• HMO (Health Maintenance Organization): Requires using in-network providers and getting referrals for specialists.
• PPO (Preferred Provider Organization): Offers more flexibility, allowing you to see out-of-network providers at a higher cost.

A deductible is the amount you pay out of pocket before your insurance starts covering expenses. For example, if your deductible is $1,000, you’ll pay that amount before your insurance contributes.

Yes, most health insurance plans include prescription drug coverage. The specifics depend on your plan, so check the formulary to see which medications are included.

In most cases, your healthcare provider will file the claim on your behalf. If you need to file a claim yourself, contact your insurance company for instructions and required documentation.

Yes, self-employed individuals can purchase individual health insurance through the Marketplace or directly from an insurer.

Without health insurance, you’ll be responsible for paying all medical expenses out of pocket. Additionally, you may miss out on preventive care that could catch health issues early.