Health Insurance Basics

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Don't wait. Enroll today! Open enrollment continues through March 31st.

When Will My Coverage Start?

  • If you enroll between

    Your coverage will begin

  • Dec. 23, 2013 - Jan. 15, 2014

    Feb. 1, 2014

  • Jan. 16 - Feb. 15, 2014

    Mar. 1, 2014

  • Feb. 16 - Mar. 15, 2014

    Apr. 1, 2014

  • Mar. 16 - Mar. 31, 2014

    May 1, 2014

What Is Covered?

All health plans must provide coverage for all of the following categories of care1:

  • Ambulatory patient services
    Ambulatory patient services (outpatient care you get without being
    admitted to a hospital)
  • Emergency services
    Emergency services
  • Hospitalization
    Hospitalization
  • Maternity and newborn care
    Maternity and newborn care (care before and after your baby is born)
  • Mental health and substance use disorder services
    Mental health and substance use disorder services (this includes
    counseling and psychotherapy)
  • Prescription drugs
    Prescription drugs
  • Rehabilitative and habilitative services
    Rehabilitative and habilitative services (services and devices to help
    people with injuries, disabilities, or chronic conditions gain or recover
    mental and physical skills)
  • Laboratory services
    Laboratory services
  • Preventive and wellness services and chronic disease management
    Preventive and wellness services and chronic disease
    management
  • Pediatric services
    Pediatric services

What Are My Health Plan Options?

Your health plan options are grouped into four different categories: Bronze, Silver, Gold and Platinum. Each plan provides the same quality of care and essential health benefits. The difference lies in the coverage for out-of-pocket costs (i.e. deductible, co-insurance rates and copayments).

What If I'm Already Insured?

If you're currently covered by your employer, Medicaid, Medicare, you may not experience any change, but check with your current plan. If you pay for coverage yourself and you have not yet enrolled in a health plan, consider shopping and comparing plans in the online marketplace and see if you have access to new benefits or are eligible for lower costs with a new plan.

What If I'm Not Insured Today?

Through March 31, 2014, you can view, compare and shop for insurance plans in the online marketplace. GoHealth can help you determine your insurance needs, discuss your options, and see if you qualify for financial assistance.

1Coverage for these services is what the new law considers to be the Essential Health Benefits (EHBs).