Find health insurance after the end of the Public Health Emergency (PHE)

Find health insurance after the end of the Public Health Emergency (PHE)

Health insurance options can vary depending on your location and individual circumstances, but there are several ways you can find health insurance after the end of the Public Health Emergency (PHE):

1. Employer-sponsored health insurance: If you are employed, check with your employer to see if they offer health insurance benefits. Many employers offer health insurance as part of their employee benefits package.

2. Health insurance marketplace: You can visit healthcare.gov to explore your options for health insurance through the marketplace. Depending on your income and other factors, you may qualify for financial assistance to help cover the cost of your health insurance premiums.

3. Medicaid: Medicaid is a government-sponsored health insurance program for individuals and families with low income. Eligibility varies by state, so you should check with your state's Medicaid office to see if you qualify.

4. COBRA: If you recently lost your job or had a reduction in hours, you may be eligible for COBRA continuation coverage. COBRA allows you to continue your employer-sponsored health insurance for a limited period of time after leaving your job, but you will be responsible for paying the full cost of the premiums.

5. Private health insurance: You can also explore private health insurance options through insurance companies or brokers. Be sure to shop around and compare plans to find one that meets your needs and budget.

It's important to note that the availability and cost of health insurance can change over time, so it's a good idea to regularly review your options and make sure you have coverage that meets your needs.

I'm going to lose my Medicaid coverage, now what?

If you're going to lose your Medicaid coverage, there are several options you can explore to ensure you have access to healthcare:

1. Marketplace health insurance: You can visit healthcare.gov to explore your options for health insurance through the marketplace. Depending on your income and other factors, you may qualify for financial assistance to help cover the cost of your health insurance premiums.

2. Medicaid expansion: Depending on your state, you may be eligible for Medicaid coverage under expanded eligibility criteria. You can check with your state's Medicaid office to see if you qualify.

3. Employer-sponsored health insurance: If you are employed, check with your employer to see if they offer health insurance benefits. Many employers offer health insurance as part of their employee benefits package.

4. COBRA: If you recently lost your job or had a reduction in hours, you may be eligible for COBRA continuation coverage. COBRA allows you to continue your employer-sponsored health insurance for a limited period of time after leaving your job, but you will be responsible for paying the full cost of the premiums.

5. Free or low-cost clinics: There may be free or low-cost clinics in your area that provide healthcare services to uninsured or underinsured individuals. You can search for clinics in your area online or contact your local health department for information.
It's important to explore your options and find a healthcare solution that meets your needs and budget. If you have any questions or concerns, you can also contact your state's Medicaid office or a healthcare navigator for assistance.

Low-cost plans available in the health market  

There are several low-cost health insurance plans available through the Health Insurance Marketplace, which is the online platform where individuals can shop for health insurance plans. Here are some examples of low-cost health insurance plans:

1. Catastrophic plans: These are low-cost health insurance plans that provide coverage for emergency services and preventive care. These plans have a high deductible, which means you'll need to pay more out-of-pocket before your insurance kicks in, but they can be a good option if you're generally healthy and just want coverage for unexpected events.

2. Bronze plans: Bronze plans are the cheapest plans available through the Marketplace. They offer low monthly premiums but have high deductibles and copayments. Bronze plans cover the same essential health benefits as other Marketplace plans, but you'll pay more out-of-pocket for medical expenses.

3. Short-term health insurance plans: Short-term health insurance plans provide coverage for a limited period, usually up to 12 months. These plans are designed to provide temporary coverage and are typically less expensive than other health insurance plans, but they may not cover pre-existing conditions or provide comprehensive coverage.

4. Medicaid: Medicaid is a government-sponsored health insurance program for individuals and families with low income. Depending on your income and other factors, you may be eligible for Medicaid coverage.

5. Children's Health Insurance Program (CHIP): CHIP is a government-sponsored health insurance program that provides low-cost health coverage to children in families who earn too much to qualify for Medicaid, but not enough to afford private health insurance.

It's important to compare plans and consider your individual healthcare needs before selecting a health insurance plan. You can visit healthcare.gov to explore your options and find a plan that meets your needs and budget. 

Find the perfect health plan for you, today! 

Here some general tips that can help you find a health plan that's right for you:

1. Determine your healthcare needs: Before selecting a health plan, it's important to consider your healthcare needs. Do you have any ongoing medical conditions that require regular treatment? Do you take any prescription medications? Do you anticipate any major medical expenses in the coming year? Knowing your healthcare needs can help you choose a plan that provides the coverage you need.

2.   Consider your budget: Health insurance plans come with different premiums, deductibles, and copayments, so it's important to choose a plan that fits your budget. Keep in mind that plans with lower premiums may have higher deductibles or copayments, while plans with higher premiums may offer more comprehensive coverage.

3.   Research your options: There are many health insurance plans available, including those offered by your employer, those available on the Health Insurance Marketplace, and those offered by private insurance companies. Be sure to research your options and compare plans to find one that meets your needs and budget.

4.   Check provider networks: If you have a preferred doctor or hospital, be sure to check if they are in the provider network for the health plan you are considering. Going out of network can result in higher out-of-pocket costs.

5.   Use online tools: There are many online tools available to help you compare health plans and estimate your out-of-pocket costs. The Health Insurance Marketplace has a plan comparison tool that can help you compare plans side-by-side.

    Remember, selecting the right health plan is an important decision that requires careful consideration. You can also seek the advice of a licensed insurance agent or healthcare navigator to help you find a plan that meets your needs.