Health insurance in usa

Health Insurance Market

What is the Medical Insurance Market?

The Low Price Health Care Act enacted in January 2014 helps the public obtain health insurance regardless of income or medical history. The Health Insurance Marketplace allows you to search and compare policies that offer coverage for preventive health services, doctor visits, discounts on medications and hospital services, among other things.

Requirements to enroll in the Health Insurance Market

Anyone can use the Health Insurance Marketplace to explore their health coverage options, even if they already have insurance.

These are the requirements to obtain insurance through the Market:

Live in united states.

Be a US citizen by birth, naturalized or be a permanent resident with a green card (“Green Card”).

Do not be jailed.

Learn more about who can register in the Health Insurance Marketplace.

Registration dates for the Medical Insurance Market

The open enrollment period is between November 1, 2019 and December 15, 2019. During that period, you can enroll for the first time, change or renew your plan. After December 15, you can still buy a plan if you qualify for a special enrollment period.

How to enroll in the Health Insurance Market?

To register, you have several options. You can:

Create an account online at Saluddesalud.gov/es.

Download, print, complete the form in Spanish (PDF, download Adobe Reader) to request insurance and send it by mail.

If you need help, you can call 1-800-318-2596 (TTY: 1-855-889-4325) or go in person to a local help center.

Do you have questions or queries?

These are the most common questions about the Medical Insurance Market.

How to find free or low-cost medical care

If you do not have or cannot afford medical insurance, there are options for you to receive free or low-cost care. Find out about the resources available to find the health care options you need.

Medicare: Coverage for people over 65 years of age; people with disabilities who have a certain eligibility criteria; or for people with end stage renal disease.

Medicaid: It is a joint federal and state program that helps with medical costs for some people with low incomes.

Medical care if you do not have medical insurance (in English): Enter your address or zip code in the “Find a Health Center” box to locate on the map the health centers of the Health Resources and Services Administration (HRSA, English acronym). These health centers offer medical services, even if you do not have health insurance. You pay what you can, according to your income.

Medicaid and the Children's Health Insurance Program (CHIP)

Medicaid and its Children's Health Insurance Program (CHIP) are joint federal-state programs that each state operates independently. The names of the programs vary from state to state.

What help do Medicaid and CHIP offer?

Medicaid is a state-administered program that provides free or low-cost coverage for adults, children, seniors, pregnant women and people with disabilities who are eligible.

CHIP offers free or low-cost medical and dental coverage for children and adolescents from families whose income is above the eligibility limits for Medicaid assistance, but is below the state's CHIP limit.

Am I eligible for Medicaid and CHIP?

Check with your state's Medicaid office to see if it meets the basic eligibility requirements for Medicaid and CHIP. Usually, these are the aspects that are taken into account to determine eligibility.

Age

Income

Number of family members

Be pregnant

Have a disability

Be a U.S. citizen or permanent resident (green card)