How to Buy Health Insurance Safely

Nov 1, 2019

On Nov. 1, HealthCare.gov started its annual enrollment period for health insurance. If you don’t have health insurance, or you just need to renew your plan, make sure to review your health plan options before open enrollment ends on Dec. 15.
Some health plans may deny coverage for pre-existing conditions or don’t cover mental health care, but there is a way to play it safe and ensure you have mental health coverage in 2020. 
 
Start at HealthCare.gov. All health plans on HealthCare.gov must cover mental health and substance use services at the same level as other health conditions.
 
Some plans on HealthCare.gov offer better options than others, so review the plans carefully. Additionally, 7 out of 10 people who sign up on HealthCare.gov qualify for financial help (finding plans with monthly premiums at $75 or less).

How should you choose your health plan?

Whether choosing insurance for the first time or reevaluating your current plan, keep these factors in mind:

Take action by Dec. 15. Don’t risk not having health and mental health coverage in 2020. 
 
Signing up for new coverage or renewing your plan takes as little as 10 minutes. Buy safely and get started now by going to HealthCare.gov

NAMI HelpLine is available M-F, 10 a.m. – 10 p.m. ET. Call 800-950-6264,
text “helpline” to 62640, or chat online. In a crisis, call or text 988 (24/7).