How To Find Affordable Health Insurance In The United States

Learn about medical health insurance coverage options in the United States and where to find them.

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Obamacare Major Medical Health Insurance

The Affordable Care Act (ACA) health insurance, sometimes known as Obamacare, extends outside doctor visits and surgical procedures. The majority of plans cover all or some portion of the cost of your prescription drugs, as well as other healthcare-related services such as rehabilitation, physical therapy, nursing home care, and mental health care.

When Is Federal Open Enrollment?

You can enroll in an ACA health plan during the Federal Open Enrollment period. Every year, from November 1 to December 15, every year this takes place.

Special Enrollment Periods

You may sign up for an ACA health plan outside of the federal Open Enrollment within 60 days after a qualifying life event.

Types Of Qualifying Life Events:

  • Loss of health coverage. Losing existing health coverage, including job-based, individual, and student plans.
  • Changes in marital status (getting married/divorced)
  • Having a baby or adopting
  • Changes in residence. Moving to a different ZIP code or county

Short-Term Health Insurance To Cover A GAP In Plans

A short-term health insurance plan can offer you basic medical care during a gap in insurance coverage.

Who Needs Temporary Health Insurance?

  • Individuals who missed the deadlines for the ACA exchanges and need to wait until the next enrollment period
  • Individuals who have a waiting period before enrollment in another program
  • People who are temporarily in between jobs or have been laid off
  • Self-employed individuals
  • People looking for a plan less expensive COBRA health insurance
  • Those needing temporary coverage:
    • College students or recent graduates
    • Young adults coming off their parent’s health benefit plan
    • Retirees waiting for Medicare eligibility
    • Coverage for dependents not covered under an employer plan

What Is COBRA Insurance?

The Federal COBRA Act allows employees and their qualifying dependents to extend the coverage of their workplace health insurance if the policy would expire due to a qualifying event.

COBRA coverage is available for up to 18 months for workers and 36 months for families.

To begin a COBRA plan, the employer who provided the work health insurance will give enrollment information within 45 days of losing the benefits.

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