Get answers to your biggest questions about shopping for a health plan.
Where do most people get health insurance?
Many people get health coverage through an employer, such as your job, your spouse's job, or a parent’s job (an option until you turn 26). Others buy it through HealthCare.gov, where you might qualify for an income-based tax credit to lower your premium.
What should you look for when choosing a health plan?
Compare the Summary of Benefits and Coverage for different plan options. This document gives you an apples-to-apples comparison of how much you pay for different types of care and what limits apply. Ask if a plan covers your doctors and medications.
How do I know if a plan is affordable?
The premium is the monthly cost you pay. It’s usually straightforward with an employer plan. If you're shopping for an individual plan on HealthCare.gov, have an estimate of your annual income ready because your premium tax credit depends on your income.
Pay attention to out-of-pocket costs as these can vary widely. Take note of the plan's deductible and the copays for visiting the emergency room, a specialist, and a primary care physician.
If there’s a deductible, how much is covered before I meet it?
Any plan you buy on HealthCare.gov must cover preventive care before you reach your deductible. Preventive care services include annual checkups and school vaccines for your children.
If your kids get sick, some plans will cover primary care for free or a copay or offer free virtual visits and telemedicine before you meet the deductible.
If you’re considering a high-deductible plan, know what coverage you’ll get before you meet your deductible. This factor could be the difference between plans that have a similar monthly premium or a similar deductible.
When is open enrollment?
You can sign up for a new health plan on HealthCare.gov during open enrollment from November 1 to January 15. To get coverage that starts January 1, you must enroll by December 15. For health plans through your job, the enrollment period varies. Ask your company's human resources department for the dates.
What red flags should I look for?
Questions? Visit HealthCare.gov or call our Help Line at 800-252-3439.