Health Coverage Options

What are all the ways to get health insurance coverage? Here's a list of most of the options for individuals and families who are not eligible for Medicare.

• Health insurance offered through a job is often the most affordable option, with employers typically covering a portion of the premium.
• These plans usually offer comprehensive benefits with access restricted to specific networks.

• Government-subsidized health plans. 
• These plans cover pre-existing conditions, essential health benefits, and may include tax credits based on income. 
• Cannot be denied coverage for pre-existing conditions. 
• Can only enroll during special periods or open enrollment (Nov 1 - Dec 15).

• Broader networks than ACA Marketplace plans. 
• Best for those who don’t qualify for subsidies or prefer options outside the Marketplace. 
• Can be denied coverage for pre-existing conditions. 
• Enrollment (if eligible) is open year-round (must apply by 20th of prior month). 
• Cost is based on age and your choice of deductible/network access. 
• Lower deductible plans will cost more and higher deductible plans are cheaper. 

• Temporary plans that last from 1-4 months.
• Enrollment open year-round.
• You must answer health questions to qualify.

• Faith-based cost-sharing arrangements where members help pay each other’s medical expenses. 
• These are not insurance and may have restrictions on coverage based on beliefs or lifestyle.

• Add-on plans that pay cash benefits for specific health events. 
• Useful for financial protection alongside a high-deductible plan—or even on their own.

• Some individuals choose to pay out-of-pocket for care and skip monthly premiums. 
• This option carries extreme financial risk but may work for those with minimal healthcare needs and strong savings.