Although health insurance is no longer compulsory at the federal level, going without a plan can put you at financial risk in the event of any injury or illness. So, it’s no surprise that many states still require their residents to have health insurance coverage or pay a heavy tax penalty.
Once you understand the significance of health insurance coverage, one of the questions that would pop up is " where can I get health insurance". The first thing you should know is that getting health insurance depends on certain situations and the options available. Here are some options for accessing health insurance.
Affordable Care Act
The Affordable Care Act offers individuals and families access to a range of affordable health insurance options like medical, dental, and vision, among other types of health insurance. With ACA:
- You might get to purchase health care coverage through a state or federal marketplace, which provides a choice of plans.
- Insurers are not allowed to refuse coverage because of a person’s gender or pre-existing conditions.
- There are no annual limits on coverage.
- A young adult can stay on their family’s insurance plan until age 26.
- Seniors who hit the Medicare Prescription Drug Plan coverage can get discounts on medications.
Health Insurance Plans
A health insurance plan helps you pay for medical services and prescription drugs in some cases. With health insurance coverage, you and your health insurer agree on percentages or amounts for the joint payment for your medical expenses.
Here’s how you can get health care coverage:
- A group coverage plan that comes with your job or your spouse or partner's job
- If you are below 26 years old, you can get it from the insurance plan your parent(s) is on.
- You could purchase your health insurance plan directly from a health insurance company or the health insurance marketplace.
- Government programs like Medicare, Children’s Health insurance Program (CHIP) or Medicaid.
- TRICARE or the Veterans Administration
- State awarded health insurance plans.
- COBRA (Consolidated Omnibus Budget Reconciliation Act).
Long-term care (LTC) refers to various services that comprise medical and non-medical care for people with chronic illnesses or disabilities. Many health insurance plans and Medicare reduce or even exclude long-term care in some cases. Coverage for long-term care might require a specific insurance policy.
Health Insurance and Health Resources for People with Disabilities
There are three options that the government offers for people with disabilities who need health coverage.
- Medicaid offers free or low-cost medical benefits to people with disabilities.
- Medicare offers medical health insurance to people who are less than age 65 and who have specific disabilities. It also covers people with permanent kidney failure requiring dialysis or a kidney transplant regardless of their age.
- Affordable Care Act Marketplace caters to people who have a disability and need coverage but don’t qualify for disability benefits.
Hopefully, the options described in this article answers your question, "Where can I get health insurance”? If you need more information about health insurance plans and where to buy them, do not hesitate to contact us at Fast Health Quotes.
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