The new health care law is making private health insurance easier to buy and more affordable. The law also improves customer protections.
You are able to buy good, affordable insurance through the online Health Insurance Marketplace.
The search for health insurance is simpler because all of your options are gathered in one place. One application allows you to explore every qualified insurance plan in your area, along with Medicaid, $0 premium or low-cost insurance programs you qualify for. You are able to apply and get help online, by mail, by phone or in person.
Health insurance in the Marketplace is also be more affordable. If your annual income is within 100—400 percent of the federal poverty level (FPL), you are eligible for a type of tax credit that lowers your monthly premiums. The less you make within the income range, the more help you will get.
Incomes that will qualify for help
|Family size||Annual income range*|
|1||$11,490 − $45,960|
|2||$15,510 − $62,040|
|3||$19,530 − $78,120|
|4||$23,550 − $94,200|
|5||$27,570 − $110,280|
|6||$31,590 − $126,360|
*Slightly higher in Alaska and Hawaii.
You get clear information in plain terms about prices and benefits so you can compare your options before you choose a plan.
Every health insurance plan in the Marketplace cover ten types of services, or “Essential Health Benefits”. Services include mental health care, doctor’s visits, emergency department visits, hospital care and prescription drugs.
Mental health and substance use services must be covered at parity, or on fair and equal terms compared to services for other medical conditions.
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