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enroll. - If you’ve lost coverage or had life changes in the past 30 days, you may be eligible for a special enrollment period.
- If the plan meets the government’s definition of affordable, you will NOT be eligible for cost help for a Marketplace plan.
If you, your spouse or domestic partner are employed, this type of plan may be more affordable than others. Find out if you can enroll.- If you’ve lost coverage or had life changes in the past 30 days, you may be eligible for a special enrollment period.
- If the plan meets the government’s definition of affordable, you will NOT be eligible for cost help for a Marketplace plan.
parent’s health insurance policy. You must usually choose this during the employer’s general enrollment period or, if you lost coverage or had life changes in the past 30 days, during the special enrollment period.For eligibility information, contact Human Resources." c-nmssatomrichtext_nmssatomrichtext-host=""> You may be able to enroll in your parent’s health insurance policy. You must usually choose this during the employer’s general enrollment period or, if you lost coverage or had life changes in the past 30 days, during the special enrollment period.For eligibility information, contact Human Resources.VA benefits or other veterans health coverage.For more information, visit Veterans with Multiple Sclerosis and VA Health Care. For support with your application, contact Disabled American Veterans or Paralyzed Veterans of America." c-nmssatomrichtext_nmssatomrichtext-host=""> If you are a veteran, you may be able to get VA benefits or other veterans health coverage.For more information, visit Veterans with Multiple Sclerosis and VA Health Care. For support with your application, contact Disabled American Veterans or Paralyzed Veterans of America.you may be eligible.After you get your Medicare card, MS Navigators can help you learn about your new benefits. You may also contact a local SHIP Counselor or visit Medicare." c-nmssatomrichtext_nmssatomrichtext-host=""> If you are 65 or older or have had Social Security Disability Insurance benefits for 24 months, you may be eligible.After you get your Medicare card, MS Navigators can help you learn about your new benefits. You may also contact a local SHIP Counselor or visit Medicare.Indian Health Service. The Indian Health Service is the healthcare system for federally recognized American Indian and Alaska Natives in the United States. - If you worked for the federal government, contact the Office of Personnel Management. You may be eligible for the Federal Employees Health Benefits (FEHB) Program.
- If you are eligible for military benefits, you may be eligible for a TRICARE plan. TRICARE is the uniformed services healthcare program for active-duty service members and their family members; National Guard and Reserve members and their family members; retirees and family members; survivors and certain former spouses.
- If you are American Indian or Alaskan Native, check to see if you are eligible for the Indian Health Service. The Indian Health Service is the healthcare system for federally recognized American Indian and Alaska Natives in the United States.
- If you worked for the federal government, contact the Office of Personnel Management. You may be eligible for the Federal Employees Health Benefits (FEHB) Program.
- If you are eligible for military benefits, you may be eligible for a TRICARE plan. TRICARE is the uniformed services healthcare program for active-duty service members and their family members; National Guard and Reserve members and their family members; retirees and family members; survivors and certain former spouses.
Still Need Coverage?
special enrollment period, call your state’s marketplace at (1-800-318-2596). Applications can be completed by phone, on paper, online or in person.Find local help on healthcare.gov to make sure you understand the plan options that meet your needs and available cost help.MS Navigators can provide local help resources for you but are not trained to assist with the Marketplace.For more information, visit Individual Health Insurance." c-nmssatomrichtext_nmssatomrichtext-host=""> To find out when open enrollment is or if you are eligible for a special enrollment period, call your state’s marketplace at (1-800-318-2596). Applications can be completed by phone, on paper, online or in person.Find local help on healthcare.gov to make sure you understand the plan options that meet your needs and available cost help.MS Navigators can provide local help resources for you but are not trained to assist with the Marketplace.For more information, visit Individual Health Insurance.Learn if your state did.Ask the representatives at your state’s Marketplace (1-800-318-2596) if members of your family are eligible for Medicaid or the Children’s Health Insurance Program (CHIP). Applications can be done by phone, on paper, online or in person with an assister. Find local, in-person help on healthcare.gov.For more information, visit Medicaid Expansion and What It means for You." c-nmssatomrichtext_nmssatomrichtext-host=""> With the Affordable Care Act, many states expanded Medicaid to cover all low-income adults. Learn if your state did.Ask the representatives at your state’s Marketplace (1-800-318-2596) if members of your family are eligible for Medicaid or the Children’s Health Insurance Program (CHIP). Applications can be done by phone, on paper, online or in person with an assister. Find local, in-person help on healthcare.gov.For more information, visit Medicaid Expansion and What It means for You.Call your local Medicaid office and ask for a full review of your eligibility for all programs.For more information, visit Medicaid and Other Public Health Insurance Options or learn how to apply for Medicaid.gov coverage." c-nmssatomrichtext_nmssatomrichtext-host=""> Even if you are not eligible under the Medicaid expansion, you may have access to one of the many types of Medicaid in your state. These are generally available to those with a low household income and health concerns such as disability, blindness or pregnancy. Call your local Medicaid office and ask for a full review of your eligibility for all programs.For more information, visit Medicaid and Other Public Health Insurance Options or learn how to apply for Medicaid.gov coverage.COBRA or contact Human Resources or your benefits administrator." c-nmssatomrichtext_nmssatomrichtext-host=""> If you lost your employer-based coverage in the past 60 days, you may be able to enroll in a COBRA plan to extend those benefits. These benefits are generally very expensive. Be sure to compare the plan with Marketplace options, which may offer cost help. However, keep in mind that if you’ve met your annual out of pocket limit (and your care will be 100% covered for the rest of the year) it may be worth it for you to keep paying the higher COBRA premiums.For more information, visit COBRA or contact Human Resources or your benefits administrator.
Haven’t Found the Right Option?
tax credits are not available for plans purchased outside of the marketplace.For more information, visit Healthcare.gov Private Plans. To find out about health insurance agencies or brokers authorized to sell plans, contact your State Department of Insurance." c-nmssatomrichtext_nmssatomrichtext-host=""> These plans may meet the requirements of the health care law, including coverage of pre-existing conditions, free preventive care and unlimited annual benefits.They can be purchased outside of the Marketplace’s open enrollment period. However, keep in mind that tax credits are not available for plans purchased outside of the marketplace.For more information, visit Healthcare.gov Private Plans. To find out about health insurance agencies or brokers authorized to sell plans, contact your State Department of Insurance.Student Health Plans." c-nmssatomrichtext_nmssatomrichtext-host=""> Some colleges or universities offer these plans, which generally have limited benefits. They should be purchased only when no other options are available, and after careful review of the costs, coverage and limits.For more information, contact your college and visit Centers for Medicare & Medicaid Services' Student Health Plans.consumer protections. These protections include coverage for pre-existing conditions, elimination of annual and lifetime coverage limits, and coverage for essential health benefits.Learn more in this April 2021 news report on “non-compliant plans.”" c-nmssatomrichtext_nmssatomrichtext-host=""> “Alternative coverage arrangements” are not required to comply with the Affordable Care Act’s (ACA) consumer protections. These health plans may have lower upfront costs but offer fewer benefits than ACA-compliant insurance.Short term health plans are sold through private insurance companies. These are limited duration plans that bridge gaps in coverage.Healthcare share plans offer community-based cost-sharing. While these can be more affordable than traditional insurance, they do not have to comply with consumer protections. These protections include coverage for pre-existing conditions, elimination of annual and lifetime coverage limits, and coverage for essential health benefits.Learn more in this April 2021 news report on “non-compliant plans.”