Open Enrollment for Individuals Families Not Covered under Employer-Sponsored Medical plans begins November 1

The Affordable Care Act, also known as "Obamacare", was developed  to help individuals access affordable health insurance through a health insurance marketplace where Americans can purchase                  federally regulated and subsidized health insurance during open enrollment.

 

In order to qualify, you must sign up during Open Enrollment but could still be eligible if you had a qualifying life event such as changing jobs, getting married/divorced, moving, etc. 

TYPES OF HEALTH INSURANCE COVERAGE

Below are the most common types of family and individual health insurance coverage offered. If you are looking for maternity coverage, dental services or prescription drug coverage, check out the plan details for different types of health insurance and specific plans to make sure you get the coverage you need.

INDIVIDUAL HEALTH INSURANCE AND FAMILY COVERAGE

Individual and family coverage is also known as major medical or comprehensive coverage. When you think of health insurance, this is likely the first type of health insurance you think of. It covers a wide      range of services. This type of health insurance coverage:

  • Lasts a year or longer

  • Usually can be renewed

  • Meets the requirements set by the Affordable Care Act and includes:

    • Emergency services, hospitalization, and preventive care

    • Maternity, newborn and pediatric care

    • Mental health care & substance abuse treatment

    • Laboratory services, prescription drugs, and disease management

    • Rehabilitative services and devices

If you enroll in Individual health insurance and family coverage, you may be able to get help paying for it with a premium tax credit or cost-sharing assistance. 

DENTAL

Dental insurance plans provide coverage for part of the dental costs for   you and your family. This type of health insurance:

  • Can cover a wide range of dental services                                            or just basic, routine care.

  • Can be bought as part of your individual                                      or family health plan or separately, as a                                      stand-alone dental plan.

  • Is required for children age 18 or younger                                               under the Affordable Care Act.

MEDICARE

Medicare is a type of health insurance coverage for people age 65 or older, or people under 65 with certain disabilities or illnesses.

You can add to your Original Medicare Part A (hospital) and Part B (medical) to help strengthen your health insurance safety net:

  • Part C – Medicare Advantage Plans can be seen as all-in-one coverage, some with built-in prescription drug coverage

  • Part D – Prescription drug coverage that pays for approved drugs

  • Medicare Supplement Insurance Plans – May help pay for health care costs not covered by Original Medicare

MEDICAID AND CHILDREN'S HEALTH INSURANCE PROGRAM (CHIP)

Medicaid and CHIP are types of low or no-cost                                    health insurance through the government. Your                                      eligibility is based on your household size and                                        income and determined by the government.                                            You can apply any time of year.

  • If you qualify, your coverage can start right                                          away.

  • For Medicaid, visit Medicaid.gov 

  • For CHIP, visit insurekidsnow.gov  or call 1-877-543-7669

To begin, the Healthcare.gov site will walk you through the enrollment process and show you the best plans available through the various insurance companies that may fit your needs. 

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