Find Healthcare Coverage Options in Your Area

There are several great options for health coverage in the United States, making it easier than ever to find a plan that fits your needs and budget:

• Marketplace Plans (ACA): Affordable plans available through Healthcare.gov with income-based subsidies that can significantly reduce your monthly costs.
• Employer-Sponsored Insurance: Many employers offer group health plans, often covering a portion of the premium for employees and their families.
• Medicaid: Free or low-cost coverage for individuals and families with limited income—eligibility has expanded in many states.
• Medicare: Federal health coverage for those 65+ or with qualifying disabilities, with multiple plan options to choose from.
• Short-Term Plans: Temporary coverage options for those between jobs or waiting for other coverage to begin.

There are many ways to reduce your healthcare costs while still getting quality coverage:

• Premium Tax Credits: Based on your income, you may qualify for subsidies that lower your monthly premium—sometimes to $0!
• Compare Plans Annually: Prices and benefits change each year, so shopping around can lead to significant savings.
• Use In-Network Providers: Staying within your plan's network typically means lower out-of-pocket costs for visits and procedures.
• Choose Generic Medications: Generic drugs work just as well as brand-name versions and cost a fraction of the price.
• Health Savings Accounts (HSA): If eligible, contribute pre-tax dollars to pay for medical expenses and reduce your taxable income.

Subsidies are financial assistance from the government designed to make health insurance more affordable. The good news is that millions of Americans qualify!

• Premium Tax Credits: Lower your monthly insurance payment based on your household income and size.
• Cost-Sharing Reductions: Reduce your deductibles, copays, and out-of-pocket maximums on Silver-level plans.
• Income Guidelines: Generally, households earning between 100%-400% of the federal poverty level qualify, though recent expansions have helped even more people.

Many people are surprised to learn they qualify for significant savings. Sign up to receive personalized information about subsidies and offers in your area.

There are several opportunities throughout the year to sign up for or change your health coverage:

• Open Enrollment: The annual period (typically November through January) when anyone can enroll in or switch Marketplace plans.
• Special Enrollment Periods: Qualify after life events like moving, getting married, having a baby, or losing other coverage.
• Medicaid & CHIP: You can apply for these programs any time of year—there's no enrollment window to wait for.
• Employer Plans: Usually offered when you're hired or during your company's annual benefits enrollment period.

Don't miss important deadlines! Sign up to receive timely reminders about enrollment periods and special opportunities.

Understanding plan types helps you choose coverage that matches how you prefer to receive care:

• HMO (Health Maintenance Organization): Lower premiums and costs when you use in-network providers. You'll choose a primary care doctor who coordinates your care.
• PPO (Preferred Provider Organization): More flexibility to see specialists without referrals and use out-of-network providers, though at higher cost.
• EPO (Exclusive Provider Organization): A middle ground—no referrals needed, but coverage only applies to in-network providers.
• HDHP (High Deductible Health Plan): Lower premiums with higher deductibles, often paired with HSA accounts for tax-advantaged savings.

The right choice depends on your healthcare needs, budget, and preferred doctors. We can help you find providers offering the plan type that works best for you.