Wondering if you can still get health insurance if your employer doesn’t offer it? Good news: you can — and Health Plan Market is here to help you explore your options.
Whether you’re between jobs, self-employed, or your employer simply doesn’t provide coverage, there are several affordable ways to get insured. Here’s a quick breakdown to guide you:
1. Marketplace Health Plans & Premium Tax Credits
Thanks to the Affordable Care Act (ACA), you may qualify for premium tax credits (also known as subsidies) to lower your monthly insurance cost. In some cases, depending on your income, these subsidies can even cover your entire premium.
2. Cost-Sharing Reductions (CSRs)
If your household income is below 250% of the federal poverty level, you might be eligible for cost-sharing reductions that help lower out-of-pocket costs like deductibles and copayments. Just keep in mind: CSRs are only available with Silver-tier plans on the Marketplace.
3. Choosing the Right Network & Coverage
Have a preferred doctor or need specific prescriptions? It’s important to check the plan’s provider network and formulary (covered drug list). Prices and coverage can vary widely, so choosing the right plan based on your medical needs matters.
4. Coverage Gap Programs (State-Specific)
Some states offer special programs or expanded Medicaid to help fill the coverage gap for low-income individuals. These options depend on where you live and your household income.
Not Sure Where to Start?
The best way to find the right health insurance plan is to speak with a licensed health insurance professional. Whether you’re looking for better coverage, trying to save money, or simply have questions — Health Plan Market is here to guide you every step of the way.