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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.

Kết quả xổ số hôm nay tốt 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 that offers a choice of plans.

  • Insurers can't refuse coverage based on gender or a pre-existing condition.

  • Kết quả xổ số hôm nay tốtLifetime and annual limits on coverage are eliminated.

  • Young adults can stay on their family’s insurance plan until age 26.

  • Seniors who hit the or "donut hole" can get a discount on medications.

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

  • Kết quả xổ số hôm nay tốtMoving to a new state

  • Qualifying for Medicaid or CHIP

Kết quả xổ số hôm nay tốtCheck to see if your life event qualifies you to change your coverage under a .

How to Enroll and Get Answers to Your Questions

You can learn more about and apply for ACA health care coverage in several ways.

  • Go to . Depending on where you live, you'll apply for benefits there through the ACA Health Insurance Marketplace or you'll be directed to your state's health insurance marketplace website.   vary by state. 
  • Contact the at 1-800-318-2596 or TTY at 1-855-889-4325.

  • Find a to apply or ask questions in person.

  • Download an to apply by mail

Find the answers to 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.

  • Find contact information for your insurance company on your insurance card or bill.

  • Kết quả xổ số hôm nay tốtIf you can't find out how to contact your insurance company, contact the .

  • If you need help appealing a dispute with your insurance company, contact the .

Small Businesses

Businesses with 50 employees or fewer can offer plans to employees, starting any month of the year. Learn about  to help companies with the equivalent of fewer than 25 full-time employees provide insurance coverage to their workers.

  • A plan you purchase on your own directly from a health insurance company or through the
  • Government programs such as , , or
  • The or for military personnel
  • Your state, if it provides a health insurance plan
  • Continuing employer coverage from your former employer, on a temporary basis under the Consolidated Omnibus Budget Reconciliation Act (COBRA)
  • Types of Health Insurance Plans

    Kết quả xổ số hôm nay tốtWhen 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.
    • 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.
    • offer lower co-payments like HMOs but give you more flexibility in selecting a provider.

    Choosing a Health Insurance Plan

    Kết quả xổ số hôm nay tốtRead 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?
    .

    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 .

  • Find local
  • Learn about to consider
  • 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. You should consider the cost of long-term care insurance as you plan for retirement.

    Kết quả xổ số hôm nay tốtThese 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

    Kết quả xổ số hôm nay tốtTo 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 to find a state's long-term care ombudsman program. 

    If you have an elder abuse complaint, contact your long-term ombudsman or local 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

    Kết quả xổ số hôm nay tốtFederal, state, and local government agencies and programs can help with your health needs if you have a disability. 

    • Explore the of CDC.gov for articles, programs, tips for healthy living and more.

    • Learn more about from the Social Security Administration.

    • Contact your local city or county government to find out what medical and health services are available locally for people with disabilities.

    • Your state social service agencyKết quả xổ số hôm nay tốt can help you locate medical and health programs. 

    Visit USA.gov’s Government Benefits Kết quả xổ số hôm nay tốtpage to learn more about government programs and services that can help you and your family.

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    Kết quả xổ số hôm nay tốtLast Updated: November 23, 2020

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