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Health insurance Marketplace
Looking for affordable health insurance? An ACA (Affordable Care Act) Marketplace plan might be a great option for anyone who doesn’t receive health benefits through work, is self-employed, retiring early, or who doesn’t qualify for Medicaid or Medicare.
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Short-term health insurance
Short-term health insurance may not offer all benefits of major medical but can offer temporary coverage during life transitions like job loss or missed enrollment. Find out if it’s right for you.
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Medicaid
Medicaid is a joint federal and state health insurance program for low-income individuals and families. Coverage is generally free or low-cost. Eligibility varies by state.
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Medicare
Medicare is federal health insurance for those 65 and older and younger people with certain disabilities, permanent kidney failure (ESRD), or amyotrophic lateral sclerosis (ALS). For added benefits like Rx coverage and help with out-of-pocket costs, many individuals buy Medicare Advantage, Medigap, Part D, and other supplemental plans.
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Dental insurance
Adult dental care isn’t typically covered by major medical insurance plans. Dental insurance can help with the cost of services such as cleanings, dentures, and costly procedures like fillings and crowns.
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Supplemental options
Supplemental insurance can help cover out-of-pocket medical costs and non-medical expenses that major medical insurance may not cover, helping with unexpected costs. Some plans offer cash benefits paid directly to the insured that can be used for medical bills, lost income, or daily living expenses during emergencies. Benefits may also be assigned directly to the provider.
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Budget bill provisions could make ICHRAs more appealing to businesses
The budget reconciliation bill that passed in the House of Representatives includes provisions intended to make ICHRAs – or CHOICE Arrangements – easier to use and more financially attractive for small businesses.
Medicaid programs are funded jointly by the state and by the federal government, but there is significant variation from state to state in terms of how the costs are split between the state and federal governments.
9 mental health insurance questions consumers should ask
The answers to nine mental health insurance questions consumers ask about coverage of mental health treatment, substance abuse disorder treatment and ACA’s impact on coverage.
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