Options For Individuals

Learn what options may be available to you as healthcare reform takes place:


First, which one of these situations describes you?

  • I have insurance at work.

    If you have health insurance at work and your company has at least 50 full-time employees, it's likely very little will change for you. Your employer may have to tweak your plan to make sure it meets certain minimum levels of coverage established by the state, but you will still have health insurance.

  • I used to have insurance at work, but my employer won't cover me starting in 2015.

    Some employers may ask employees to choose their own health insurance in 2015. If your employer chooses this route, you'll buy your own health insurance online or through a licensed insurance agent.

    You may qualify for a subsidy, or financial aid, to help pay for the cost of your insurance coverage. If that's the case, you'll buy your insurance through bcbsla.com or a qualified insurance agent.

  • I don't have insurance, or will be buying insurance for the first time.

    You may qualify for a subsidy, or financial aid, to help pay for the cost of your insurance coverage. If that's the case, you'll buy your insurance through bcbsla.com or a qualified insurance agent.

  • I have insurance already, which I pay for myself.

    If you bought your insurance before 2010, you might be "grandfathered," which means your policy won't change.

    Otherwise, you may have to change your plan to one that includes what the government calls "essential benefits." If you have Blue Cross now, don't worry – we'll be in touch!

    Even if you already have insurance, you may benefit from buying online through the Health Insurance Marketplace. You may get a lower price or be eligible for a subsidy, or financial aid, to help pay for your insurance.

    If that's the case, you'll have to buy your insurance online through the Health Insurance Marketplace or a qualified insurance agent.

  • I have Medicaid.

    If you're on Medicaid already, much of your coverage will remain the same. You can find more at www.healthcare.gov.

  • I have Medicare.

    If you're over 65, you'll still be eligible for Medicare, with some improvements to your prescription drug benefits. There are programs in place to help cover your prescription "gap." You can learn more at www.healthcare.gov.

Who will get help paying for insurance? The government will decide who needs help based on income and household size – those people will receive a subsidy to buy health insurance. Use our premium estimator tool to figure out if you'll get help paying for your insurance!

Do I Qualify For Premium Assistance? »

Use this tool to see if you'll qualify for a break on your health insurance premiums. This tool will give you a good idea about whether you can expect a subsidy, but is not official. Only the government can tell you if you officially qualify through the Health Insurance Marketplace beginning November 15, 2014.

Need Help?

Contact an authorized
Blue Cross
agent for expert advice.

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