Learn what options may be available to you as healthcare reform takes place:
If you have health insurance at work and your company has at least 100 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.
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.
If you're on Medicaid already, much of your coverage will remain the same. You can find more at www.healthcare.gov.
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 this 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.
Contact an authorized
agent for expert advice.