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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.
Research supplemental optionsAvailability and coverage can vary by state
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Proposed rule would bring sweeping changes to Marketplace enrollment, eligibility
A proposed federal rule issued this week would, if finalized, bring wide-ranging changes for the Affordable Care Act’s health insurance Marketplace, including a shorter open enrollment period in all states.
Is there still a penalty for being uninsured?
The ACA’s individual mandate penalty was assessed for the last time on tax returns filed in 2019; there’s no longer a federal penalty for being uninsured, but some states have their own mandates and penalties.
The most likely targets for Medicaid cuts
We look at likely ways the government might make cuts to federal Medicaid spending – and look at the populations that the cuts would likely affect.
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