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What options exist for insurance coverage?

Many options exist for health insurance coverage that meet the government's requirement for minimum essential coverage under the Patient Protection and Affordable Care Act (PPACA). These plan options include:
  • Any health plan bought through the Health Insurance Marketplace (See www.healthcare.gov for more information on these plans.)
  • Individual health plans bought outside of the Health Insurance Marketplace but certified as a qualified health plan by the Health Insurance Marketplace
  • Any “grandfathered” individual insurance plan you’ve had since March 23, 2010 or earlier
  • Any job-based plan including retiree and COBRA plans
  • Medicare Part A or Part C plans
  • Most Medicaid coverage
  • The Children's Health Insurance Program (CHIP)
  • Coverage under a parent's plan
  • Most student health plans
  • Certain types of veterans health coverage through the Department of Veterans Affairs
  • Most TRICARE plans
  • Department of Defense Nonappropriated Fund Health Benefits Program
  • Refugee Medical Assistance
  • State high-risk pools for plan or policy years that started on or before December 31, 2014 (Check with your high-risk pool plan to see if it qualifies as minimum essential coverage.)
For more information about these coverage options as well as options that do not meet the minimum essential coverage requirement, visit www.healthcare.gov. 

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.