Health Insurance Options
You may have new ways to get health insurance for 2014. The changes include new options that can make it easier for you to shop for coverage, especially for individuals and families who could not afford or get coverage before.
Where To Go For Health Insurance Coverage
You can enroll in a plan on the Health Insurance Marketplace through a local broker or their website. This online shopping website will be available starting in October 2013.
You can buy a plan directly from a health insurance company such as your local Blue Cross and Blue Shield plan, or from a broker who may represent several insurers.
You can enroll in an employer-sponsored plan if your employer offers group coverage. Be sure to check with your employer's human resources department for details on your options.
You may be able to qualify for a government plan. When you apply for health coverage on the Health Insurance Marketplace, you may find out that you qualify for a low-cost or free government program, such as Medicaid or the Children's Health Insurance Program (CHIP).
How to Use the Health Insurance Marketplace
You will only need to complete one application to get health coverage on the Health Insruance Marketplace. You will be able to compare plan prices and benefits from a number of health insurance companies offering coverage on the marketplace. You can apply for coverage by setting an appointment with a local broker, online or over the phone. Enrollment will begin Oct. 1, 2013 for coverage starting Jan. 1, 2014.
Lowering Your Cost for Coverage
Premium tax credits, cost-sharing assistance and other government programs are three ways that eligible people may get help paying for health insurance.
Find out more about this assistance and if you qualify.
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