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. 
• Networks are limited to your home state. (i.e. If you live in Nebraska, your network does not extend outside of Nebraska.)
• These plans cover pre-existing conditions, essential health benefits, and may include tax credits based on income. 
• You cannot be denied coverage for pre-existing conditions. In fact, they can't even ask you questions about your health. 
• 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/healthy enough) is open year-round but you must apply by either the 18th for some plans or the 20th for others if you need coverage to start the first day of the following month. (i.e. For coverage to start August 1, you need to submit application by the July 18th for Gigcare Plans, or July 20th for RBP Plans).
• 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.