Health Insurance Coverage
Find affordable health insurance for you and your family. Compare plans, check eligibility for subsidies, and get covered today.
Types of Health Insurance
Find the right coverage to protect your health and financial wellbeing
Individual Plans
Coverage for single adults through Marketplace or private insurers
Family Plans
Comprehensive coverage for your entire family under one policy
Short-Term Health
Temporary coverage for gaps between jobs or waiting periods
HMO vs PPO
Compare plan types, costs, and provider network flexibility
Medicare
Federal insurance for seniors 65+ and disabled individuals
Medicaid
Free or low-cost coverage for low-income individuals and families
HSAs & FSAs
Tax-advantaged savings accounts for medical expenses
Group Health
Employer-sponsored coverage with lower costs
Self-Employed
Options for freelancers and small business owners
Telemedicine Plans
Virtual doctor visits and online healthcare services
Why Health Insurance Matters
Protect yourself from devastating medical costs
Avoid Bankruptcy
Medical bills are the #1 cause of bankruptcy in America. One hospital stay can cost $20,000-$100,000+ without insurance.
Access Quality Care
See doctors, get prescriptions, and receive necessary treatments without worrying about cost.
Preventive Services
All plans cover preventive care at no cost: annual checkups, screenings, vaccinations, and wellness visits.
Protection from Surprises
Out-of-pocket maximums cap your annual costs, protecting you from catastrophic medical expenses.
Frequently Asked Questions
Common questions about health insurance
How much does health insurance cost?
Average monthly premiums: Individual plans $450-700, Family plans $1,200-1,800. Costs vary by age, location, plan type, and subsidies. Many qualify for tax credits that reduce premiums to $50-200/month.
What's the difference between HMO and PPO?
HMO plans have lower premiums but require referrals and in-network care. PPO plans cost more but offer flexibility to see any provider without referrals and cover out-of-network care.
When can I enroll in health insurance?
Open Enrollment: November 1 - January 15 annually. Special Enrollment: 60 days after qualifying events (job loss, marriage, birth, moving). Medicare: 3 months before turning 65.
Do I qualify for subsidies?
If your household income is 100-400% of Federal Poverty Level, you may qualify for premium tax credits. For 2024: $14,580-$58,320 (individual) or $30,000-$120,000 (family of 4).
What do all health plans cover?
All ACA-compliant plans cover 10 essential health benefits: doctor visits, emergency services, hospitalization, prescriptions, lab services, preventive care, mental health, maternity care, pediatric services, and rehabilitation.
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