How to Shop for Health Insurance (for Parents) – Nemours KidsHealth

Note: Some parts of the Affordable Care Act (“Obamacare”) are being changed or eliminated through government laws and policies. Some of the rules and regulations that affect the health insurance market are likely to continue to change over time. To stay up to date on obamacare and other health insurance topics, visit healthcare.gov and your state health commissioner’s office website.

Today in America, we all need health insurance. you do. your children do. It’s no longer a “nice to have”, it’s a “must have”. and that is the law. In most cases, parents who aren’t covered (or don’t have their children covered) by health insurance may have to pay a penalty each year. being without it also means that if someone gets sick or injured, a family may have to foot all the bills for care received. that can cost much more than paying for coverage.

Reading: How to get insurance for my baby

To help people get health insurance, the federal and state governments established a health insurance marketplace (also called a health care exchange). this makes it easier than ever to get coverage, but the process can seem a bit confusing.

Here’s what you need to do to get health insurance.


Before you shop for a health insurance plan, check to see if you or your child can get coverage some other way. The government considers a person to be covered if they have Medicare, Medicaid, a state-run children’s health insurance plan (CHIP), or insurance they get through the work of a parent or spouse. your child may already be covered or eligible for free or low-cost coverage through a public program.

If you need to get insurance for yourself or your child, you can go online and visit the us. uu. government comprehensive health care website (www.healthcare.gov). there, you can apply for chip or medicaid or buy a plan.

However, it’s important to remember that you can only buy insurance through the health care marketplace during the open enrollment period, which starts in mid-November and runs through February. If the enrollment period has ended, you or your child may need to get insurance through a private insurer to be covered that year.

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In some states, the health care exchange is run by healthcare.gov. other states run it themselves. If you live in one of those states, you can visit your state’s official Marketplace website directly or link to it through healthcare.gov.

See also: HMO vs PPO: Differences, Similarities & Things to Consider | CareFirst BlueCross BlueShield

if you don’t have regular access to a computer, you can call the us. uu. Government Helpline at 1-800-318-2596 to complete an application, enroll, or compare plans.


how to request a plan

applying for an insurance plan through the health care marketplace can be done online through healthcare.gov or a state site, by phone, or by mail by completing a form that can be mailed to you or Internet download. .

Before you complete an online application, you’ll need to create an account at healthcare.gov or your state’s marketplace.

You will need to know a few things about each person applying for coverage. be ready to provide:

  • social security numbers (or document numbers for legal immigrants)
  • employer and income information
  • policy numbers for any current health insurance plans
  • If you have a job that offers health insurance but you’re not happy with it, you can choose to get coverage through healthcare.gov. But before you apply, you’ll need to fill out a form called an Employer Coverage Tool that can be found on the healthcare.gov website.

    The app will ask for standard information such as your name, your child’s name, your address, phone number, and email. You’ll need to answer questions about citizenship, dependents, and whether you plan to file a federal income tax return next year.

    If you want help paying for insurance, you’ll need to provide information about your annual income (and the income of anyone else applying for coverage). this includes income from jobs and other sources such as:


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