En español l The health care law helps people with moderate incomes by opening up new options for getting health coverage. If you don’t have insurance, there’s a new way to get health insurance for you and your family through the Health Insurance Marketplace. Financial help may also be available.
- If you need health insurance because your employer doesn’t make it available, you are self-employed or not working, or you have been denied coverage, you can shop in the Health Insurance Marketplace in your state.
- In the marketplace, you’ll be able to compare the benefits and costs of health plans side by side.
- You may be able to get financial help to help pay for the health insurance you buy in the marketplace. The amount of help you can get depends on your income.
- People shopping in the exchange will be able to pick among several levels of health coverage. This will allow you to find a plan that works best for you and your budget.
- All health insurance plans in the exchange must cover essential benefits, including hospitalization, medical care, mental health services, prescription drugs and rehabilitation services.
- Plans cannot refuse to sell you a policy because of your health status, and must comply with many new consumer protections.
- You can get information on the cost of the health insurance plans when the marketplace begins enrollment in every state on Oct. 1, 2013. Coverage starts in 2014.
- You’ll also be able to get insurance outside the marketplace regardless of your health status, but you won’t be able to get tax credits there.
- All health insurance plans can no longer put lifetime or annual dollar limits on the benefits you receive.
- All health insurance plans must cover more preventive services at no additional cost to you.
Updated August 2013