No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses. Health insurance coverage can also help you get and stay healthy by covering some preventive and wellness services.
Now, more adults without kids and parents may qualify for free or low cost coverage through Health First Colorado. Health First Colorado covers doctor visits, hospital stays, emergency room and urgent care, prescription drugs, dental services, behavioral and mental health services, x-rays and blood work, well-child visits, maternity care, newborn care and many others. Learn more about what Health First Colorado covers.
Coloradans can use the Connect for Health Colorado Marketplace to shop for private health insurance plans and find out if they qualify for financial assistance to lower their health care costs. When the open enrollment period is closed you may still be able buy insurance through Connect for Health Colorado if you have experienced a qualifying life event.
Short term health insurance offers you the flexible, fast coverage you need for dynamic times of change in your life. Learn how UnitedHealthcare short term plans underwritten by Golden Rule Insurance Company may help you get more of the benefits you want.1
For these situations and many others, Short term health insurance, also called temporary health insurance or term health insurance, might be right for you. It can fill that gap in coverage until you can choose a longer term solution.
This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage call (or write) your insurance agent or the company (whichever is applicable).
No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.
Florida Blue is a part of the GuideWell family of companies. Together, we're committed to making a meaningful difference in the health of all Floridians. Read about our progress in the 2021 GuideWell Social Impact Report.
The Affordable Care Act (ACA) provides individuals and families greater access to affordable health insurance options including medical, dental, vision, and other types of health insurance that may not otherwise be available. Under the ACA:
Visit HealthCare.gov to apply for benefits through the ACA Health Insurance Marketplace or you'll be directed to your state's health insurance marketplace website. Marketplaces, prices, subsidies, programs, and plans vary by state.
If you have questions about specific parts of your insurance plan, you must contact your insurance company to get answers. Only your insurance company can answer specific questions about doctors, medications, treatments, medical equipment, and what is and is not covered under your plan.
Businesses with 50 employees or fewer can offer Small Business Health Options Program (SHOP) plans to employees, starting any month of the year. Learn about small business tax credits to help companies with the equivalent of fewer than 25 full-time employees provide insurance coverage to their workers.
Most health insurance plans and Medicare severely limit or exclude long-term care. If you want coverage, you may need a separate long-term care insurance policy. These questions can help you evaluate long-term care insurance policies.
Medicare provides medical health insurance to people under 65 with certain disabilities and any age with end-stage renal disease (permanent kidney failure requiring dialysis or a kidney transplant). Learn about eligibility, how to apply and coverage.
In most of the United States, in order to buy private health insurance after open enrollment, you must qualify for a special enrollment period (SEP), which usually lasts 60 days from the date of a qualifying life event.
Some people are in unusual and complicated situations that may qualify them for a special enrollment period. These exceptional circumstances include events that may have prevented enrollment in a health care plan, including:
In all states, Medicaid provides coverage for some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Likewise, CHIP provides low-cost health coverage to children in families that earn too much to qualify for Medicaid. CHIP also covers pregnant women in some states, and some states have expanded their Medicaid programs to cover anyone who falls below certain income levels.
This material is intended to provide general information about an evolving topic and does not constitute legal, tax or accounting advice regarding any specific situation. Aflac cannot anticipate all the facts that a particular employer or individual will have to consider in their benefits decision-making process. We strongly encourage readers to discuss their HCR situations with their advisors to determine the actions they need to take or to visit healthcare.gov (which may also be contacted at 1-800-318-2596) for additional information.
Vision - In Idaho, Policy VSN100ID. In Oklahoma, Policy VSN100OKR. In Virginia, Policy VSN100VA. This is a brief product overview only. Coverage may not be available in all states including but not limited to Virginia. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent. This material is intended to provide general information about an evolving topic and does not constitute legal, tax or accounting advice regarding any specific situation. Aflac cannot anticipate all the facts that a particular employer or individual will have to consider in their benefits decision-making process. We strongly encourage readers to discuss their HCR situations with their advisors to determine the actions they need to take or to visit healthcare.gov (which may also be contacted at 1-800-318-2596) for additional information.
The next Open Enrollment Period, during which almost all Coloradans can buy health insurance, runs from November 1st through January 15th. In the meantime, there are several opportunities to get covered.
Private health insurance is purchased by an individual instead of a group. The best private health insurance policies are available for individuals to buy outside of the insurance marketplace. These policies can be written for individuals or families. A private health insurance policy is capable of filling in the gaps left by group policies and Medicare/Medicaid. A private policy may also offer a more comprehensive list of benefits.
There are established windows of opportunity for consumers looking to purchase Obamacare-compliant health insurance for themselves or for their family. Everyone has the chance to purchase health insurance or change health insurance plans purchased on the exchange during the Open Enrollment Period, or OEP. OEP is an annual event, and in most cases, it runs 24 hours a day, 7 days a week, from November 1 to December 15. This date can vary a bit by state so be sure to check the OEP dates for your state.
Once that Open Enrollment window closes, things change for consumers in need of individual or family health insurance. To purchase ACA-compliant insurance plans on the exchange, you must meet the criteria for special enrollment. Healthcare.gov (the federal marketplace or exchange) defines Special Enrollment Period as the time outside of the private health insurance open enrollment period that people with special circumstances can buy individual and family policies.
You do still have a few options if you fail to qualify for special enrollment but still need some kind of coverage until the next open enrollment period comes up. eHealth has other options that ease the burden while you wait, such as short-term health insurance and discount prescription drug plans. These are not Obamacare-compliant, but can be effective alternatives for someone looking for some sort of medical coverage.
Keep in mind that these alternatives may include products that are not health insurance products, but rather supplementary products. Non-Obamacare products will not protect you from possible fees for being uninsured. In addition, non-Obamacare insurance plans have other limitations: they are not required to provide the minimum essential benefits of Obamacare, they may exclude coverage for pre-existing conditions, and they do not qualify for government subsidies or tax credits.
Private health insurance coverage can be purchased during the Open Enrollment Period or after a life-changing event occurs that allows for a 60-day special enrollment period. You cannot buy private health insurance outside of these specific situations.
The Open Enrollment Period for Individual and Family plans starts November 1 and ends January 15. A plan's effective date may vary based on the date an application is submitted. In most cases, you would need to wait until the next Open Enrollment Period. However, even after the Open Enrollment Period has ended, there are some ways to still get health insurance now.
Be sure to purchase coverage during your Special Enrollment Period. If you miss that period, you will have to wait until the next Open Enrollment Period. However, you can buy a short-term health plan to cover yourself for a short period of time. 59ce067264