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Find health insurance by Insurance Top Info - ITI | Find out how to find and purchase health insurance that includes ACA, COBRA, long-term care, and healthcare for people with disabilities.
Affordable Health Care Act
Learn more about the Affordable Care Act and find out how to apply through the Health Insurance Marketplace at insurancetopinfo.com.
Please note, in response to the coronavirus pandemic, you may be eligible for health insurance coverage during the special enrollment period, from February 15 to May 15, 2021.
What is the Affordable Care Act (ACA)?
The Affordable Care Act (ACA) gives individuals and families better access to affordable health insurance, including medical, dental, visual, and other types of health insurance that would otherwise be unavailable. As part of the ACA:
- You may be able to purchase health care coverage in a state or federal market that offers a variety of plans.
- Insurers cannot deny coverage based on gender or a pre-existing condition.
- There is no annual or lifetime coverage.
- Young adults can remain in their family's insurance policy for a maximum of 26 years.
- Seniors who have reached the Medicare drug plan coverage gap or "donut hole" can get discounts on medications.
Read the full text of the ACA and learn more about its provisions and how it relates to patients, insurers, businesses and families.
When to register
The open registration period usually takes place at the end of the year. This is when you can freely make changes to your purchased health insurance coverage in the ACA health insurance market.
During the open registration period you can:
- Re-enroll in your current plan
- Choose a plan for the first time
- Choose a new plan to replace your current plan
- Make changes to your existing insurance plan
- Marry or divorce
- Have a baby or add a family member to your family
- Loss of other coverage
- Switch to a new state
- Qualify for Medicaid or CHIP
Check to see if your personal event allows you to change your coverage under a special membership period.
How to register and get your questions answered
There are several ways you can get more information and apply for ACA health care coverage.
- Visit HealthCare.gov to apply for benefits through the ACA Health Insurance Marketplace or you will be directed to your state's health insurance market website. Markets, prices, grants, programs and plans vary from state to state.
- Contact the market call center.
- Find a local center to apply or to ask questions in person.
- Download an application form to request it by mail
Find answers to common ACA questions about how to submit documents, how to get and change coverage, your total health care costs, tax options, and more.
Using your cover
If you have questions about specific parts of your insurance plan, you should contact your insurance company for answers. Only your insurance company can answer specific questions about doctors, medications, treatments, medical equipment, and what is and what is not covered by your plan.
- Find the contact details of your insurance company on your insurance card or invoice.
- If you do not know how to reach your insurance company, please contact the market call center.
- If you need help appealing a dispute with your insurance company, please contact the Marketplace call center.
Small enterprises
Businesses with 50 or fewer employees can offer Small Business Health Options (SHOP) plans to their employees starting any month of the year. Learn about small business tax credits to help businesses with the equivalent of less than 25 full-time employees provide insurance for their employees.
Health insurance plans
Health insurance will help you pay for medical services and sometimes prescription drugs. Once you've purchased insurance coverage, you and your health care provider agree to pay a portion of your medical bills, usually a fixed amount or a percentage of the cost.
How to get health coverage
You can get health care coverage by:
- A group protection plan for your job or that of your spouse or partner
- Your parents' insurance, if you are under 26
- A plan that subscribes directly to a health insurance company or through the health insurance marketplace.
- Government programs like Medicare, Medicaid, or the Children's Health Insurance Program (CHIP)
- Veterans Administration or TRICARE for military personnel
- Your state, if it offers health insurance
- Ongoing coverage from your former employer's employer, on a temporary basis under the Omnibus Consolidated Budget Reconciliation Act (COBRA)
Types of health insurance plans
When shopping for health insurance, your options generally fall into one of three categories:
- Traditional reimbursed health insurance plans are often the most expensive option, but give you the most flexibility in choosing health care providers.
- Health care organizations (HMOs) offer lower out-of-pocket payments and cover the cost of more preventive care, but your choice of health care providers is limited to those in the plan.
- Preferred Provider Organizations (PPOs) offer lower copays like HMOs, but give you more flexibility in choosing a provider.
Choose health insurance
Read the fine print when choosing between different care plans. Also ask lots of questions, like:
- Can I go to a doctor, hospital, clinic or pharmacy of my choice?
- Are specialists such as ophthalmologists and dentists covered?
- Does the insurance cover special conditions or treatments such as pregnancy, psychiatric care, and physical therapy?
- Does the plan cover home care or nursing home care?
- Does the plan cover all the drugs my doctor can prescribe?
- What are the deductibles? Are there own contributions? The deductible is the amount you must pay before your insurance company will pay a claim. These differ from copays, the amount you pay when you receive medical treatment or a prescription.
- What is the most I will have to pay out of pocket to cover expenses?
- If there is a dispute regarding a bill or a service, how will it be handled?
Health insurance and health facilities for people with disabilities
Find information about health insurance and resources for people with disabilities.
Health insurance for people with disabilities
If you have a disability, you have three options for government health insurance.
- Medicaid provides free or low-cost medical benefits to people with disabilities. Learn more about eligibility and how to apply.
- Medicare offers health insurance for people under 65 with certain disabilities and of any age with end-stage kidney disease (permanent kidney failure requiring dialysis or kidney transplantation). Learn about eligibility, how to apply, and coverage.
- The Affordable Care Act Marketplace provides options for people with disabilities who do not qualify for disability benefits and who require health insurance. Find out more about the marketplace, how to register and how to use your coverage.
Health aids for people with disabilities
Federal, state, and local government agencies and programs can help with your health needs if you have a disability.
- Explore the Disability and Health section of CDC.gov for articles, programs, healthy living tips, and more.
- For more information on assistance and benefits for people with disabilities, please contact the Social Security Administration.
- Contact your city or county government to find out what health and medical services are available locally for people with disabilities.
- Your national social service can help you find health and medical programs.
To learn more about government programs and services that can help you and your family, visit the Government Benefits page of USA.gov.
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