Finding a Plan in the Health Insurance Marketplace
If you live in a state that has set up its own health insurance exchange, you will use your state's site to pick your plan and sign up for health insurance. If not, you will sign up via the Federal health insurance exchange at healthcare.gov. If you are unsure which site to use, just head over to healthcare.gov. If your state has set up an exchange, healthcare.gov will automatically send you there.
Health insurance is not the only coverage available on the health insurance exchange. The Affordable Care Act also provides access to dental care, and choosing a plan is part of the signup process. As you navigate through the screens, you will have a chance to shop for dental coverage or decline and choose health insurance alone.
If you want to see how much premium help you may be eligible for without going to the health insurance marketplace, you can use the handy calculator below, which was created by the Henry J. Kaiser Foundation. The calculator is simple to understand and use. Just enter your family size, income, state and ZIP code and let the calculator do the rest.
The Kaiser calculator will also tell you if you may qualify for Medicaid or another Federal program. The Affordable Care Act allowed states to expand their Medicare eligibility, opening up the program to individuals making up to 138% of the Federal Poverty Level (FPL). For 2015 that threshold is $16,105 for a single person and $32,913 for a family of four.
The Affordable Care Act has changed the way individuals buy health insurance. If you get your health insurance from your employer, you will not have to worry about the marketplace. If not, it is time to head over to healthcare.gov and check out your coverage options. Time is running out, and now is the perfect time to get started. You have until February 15, 2015 to sign up for coverage, but the sooner you sign up the sooner your coverage can start.