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Get the Best Health Insurance Plan for You and Your Family
HEALTH INSURANCE COVERAGE AND PLANS
If you require medical care or health services, a health insurance plan can help you manage medical costs and gain access to essential health benefits. Health insurance is a form of insurance coverage that helps pay for medical, surgical, and prescription drug costs. Depending on the insurer and your health plan, the insurance will either reimburse the policyholder or pay the health care provider directly.
Some individuals get health insurance through employer-sponsored or group plans. Others may turn to the health insurance marketplace, created under the Affordable Care Act (ACA), to compare private health insurance plans. If you're not eligible for employer health insurance, you may qualify for Medicaid or Medicare. These public programs help cover individuals based on income, disability, or age eligibility.
WHO NEEDS HEALTH INSURANCE?
Everyone can benefit from health insurance coverage. Without it, even basic medical treatment or hospital stays can result in overwhelming out-of-pocket costs. Health insurance provides financial assistance and helps protect you and your family by offering access to preventive care, medical assistance, and comprehensive coverage. Whether you're self-employed, recently lost coverage through COBRA, or aged into Medicare eligibility, it's important to get health insurance that fits your situation.
WHAT DOES HEALTH INSURANCE COVER?
Health insurance plans generally cover medical care delivered in hospitals, doctor's offices, and outpatient facilities. Many plans include dental coverage and vision benefits, or you may choose to purchase separate dental and vision insurance. Coverage may also include mental health and substance use disorder treatment, prescription drugs, and preventive services.
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ACA-compliant plans on the marketplace must include coverage for essential health benefits and may offer financial assistance through subsidies based on income. Depending on the health insurer, policyholders may be responsible for a deductible, coinsurance, or monthly premiums. The amount of coverage and what’s covered by your plan depends on your selected insurance policy and the provider network it supports.
TYPES OF HEALTH INSURANCE
There are several types of health insurance available, including:
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Marketplace plans (ACA-compliant)
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Medicare and Medicare Supplement (Medigap) insurance
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Medicaid and medical assistance programs
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Employer-based group health insurance
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Short-term health insurance
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Private health insurance policies
Plans may be structured as HMOs, PPOs, or high-deductible health plans. Some plans cover mental health services, accident insurance, or offer supplemental insurance for additional coverage. Understanding your eligibility and comparing health insurance options through an insurance marketplace or broker can help you find coverage regardless of your employment status or income level.
Explore frequently asked questions about health insurance, open enrollment, and qualifying for financial assistance. Our experts can help you understand the differences between insurance companies, coverage types, and how to apply for Medicare, Medicaid, or individual health insurance that meets your needs.