Your Coverage Options
Minimum Coverage Plan
This is a limited coverage medical insurance plan. It provides coverage for regular checkups (preventive care), free 24/7 telephone or online care from board-certified doctors, discounts on prescription drugs, and more. Premiums start at $10.99 a week ($572 a year) for individual coverage. And it satisfies the individual coverage mandate for health coverage, which means you’ll avoid the IRS penalty ($695 per adult/$347.50 per child).
This plan provides peace of mind, paid in full. You get valuable services to help keep you healthy, at no additional cost to you:
- Coverage for regular checkups, including 63 preventive care services for all adults, women, and children. These services include screenings for high-blood pressure, cholesterol, and diabetes, mammograms, and vaccinations for adults and children.
- No cost telephone or online care available 24/7 through Teladoc. Board-certified doctors can diagnose and treat many medical issues right over the phone. They can also write prescriptions. There are no limits on how many times you can use the service.
- Discount Health Savings Card
- 10% to 85% off the cost of prescriptions—so you can afford to get healthy and stay healthy.
- Discounts on lab work, dental and vision care, and more.
Enhanced Minimum Coverage Plan
This plan includes all of the features of the Minimum Coverage Plan, plus modest coverage for additional doctors’ office visits, hospitalization, and surgery. Premiums start at $18.99 a week. That’s more than the IRS penalty, but consider this: The cost difference (about $5.50 a week) gets you regular checkups and discounts, plus coverage to help pay for doctors’ office visits and more. Learn more.
- The health insurance marketplace. For some people, the health insurance marketplace—implemented in 2014 as part of health care reform—might be a better option for coverage. You could be eligible for free or low-cost coverage based on your family size and income. To explore the marketplace options, go to www.healthcare.gov. Or get help finding quality, affordable health insurance through a free service, such as HealthSherpa (855-772-2663) or Mylo (844-863-5950).
- Medicaid. Health care reform expanded who’s eligible for Medicaid. Depending on your income and family size, you might be eligible for low-cost care. Go to www.hhs.gov to see if you qualify.
- A spouse’s or domestic partner’s employer. Check to see if coverage is available and what the cost would be to add you to the plan.
- Children’s Health Insurance Program (CHIP). CHIP provides low-cost health coverage to children in families that earn too much to qualify for Medicaid. Each state program has its own rules about who qualifies. For details about what’s available in your state, go to www.insurekidsnow.gov.