- Where do I buy health insurance?
- What if I have a pre-existing condition?
- If my employer does not provide coverage, am I still required to get health insurance?
- When will I get my health insurance premium tax credit?
- Am I purchasing health insurance owned by the government?
- How much does it cost?
- What if I don't get health insurance in 2014?
- Where should I go if I qualify for Medicaid?
- What if I am covered by Medicare Part D insurance?
Where do I buy health insurance?
You can buy health insurance many different ways. However, we recommend our partner GoHealth who can help you compare plans online or over the phone. They can also help you apply for financial assistance. Finally, GoHealth's service is completely free — you won't pay more for coverage and they can help you get the best coverage for your needs.
What if I have a pre-existing condition?
You won't be denied coverage or charged more for coverage due to a pre-existing condition such as cancer or diabetes.1
If my employer does not provide coverage, am I still required to get health insurance?
Yes, you need to enroll in coverage, or you may be subject to a fee. Open enrollment has ended for 2014, but you can still obtain health insurance if you meet certain qualifying exceptions.
When will I get my health insurance premium tax credit?
If you qualify, your tax credit will be applied directly to your premium.
Am I purchasing health insurance owned by the government?
No, insurance plans are offered by private companies that cover essential health benefits. However, if you qualify, the government may provide financial assistance and expanded eligibility for public insurance programs like Medicaid.
How much does it cost?
Health insurance plan costs are available on the online marketplace. Depending on your income, you may qualify for financial assistance. GoHealth can provide you with an estimate, based on your family income, size, and the cost of a standard plan. Your tax credit will be applied directly to your premium.
What if I don't get health insurance in 2014?
You may have to pay a fee equal to 1% of your annual income or $95 per person, whichever is higher. Your fee for an uninsured child is $47.50 with a maximum family fee of $285. This fee doesn't cover your health insurance coverage; you will still need to pay 100% of your medical care.
Where should I go if I qualify for Medicaid?
If you qualify for Medicaid coverage, you will need to visit your state's Medicaid website or HealthCare.gov to find out more information.
1Exception: Smokers may be charged more for health insurance.