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I Need Insurance

A 10-Minute Guide to Health Reform

Learn About Different Approaches to Health Reform

I Need Insurance

Here's how people are making health reform work for them. Could one of these approaches work for you or someone you know? Learn how to put these ideas into action.

What if I work for a small business?

Under health reform, small businesses have access to small business Marketplaces (SHOP) where they can make insurance coverage available for their employees and may be eligible for tax credits.

As a result, more small businesses may be able to offer health coverage for their employees. At first, employers may make only one plan in the SHOP Marketplaces available to their employees. But for 2015 (and in some states now), employers will be able to provide their employees with a choice of plans available through the SHOP Marketplaces. Talk with the person in your company who handles benefits to learn if a new plan is available to you.

If your employer doesn't offer a plan, or the plan does not meet the new government standards, you can buy one directly from an insurance company or agent, or through the Individual Marketplace in your state.

I work part-time and I'm not eligible for my employer's health insurance plan. What can I do?

An approach for Desi

If your employer doesn't offer you coverage or their coverage doesn't meet the new government standards, you can buy a plan in your state's Individual Marketplace. You can also buy insurance from a health insurance company directly or through an insurance agent outside of the Marketplaces.

I can't afford my employer's health insurance. How can I get a plan I can afford?

An approach for Kelly

Health reform includes some incentives for employers to offer affordable plans to their employees. First, check with your employer to see if they are offering new, more affordable plans. If so, their plan is likely to be your best choice.

If your employer doesn't offer a plan that is affordable, use an online subsidy calculator to see if you can get help paying for a plan through the Individual Marketplace in your state. But only the Marketplace can determine if you will be eligible for government financial assistance. If you have a low income you may be able to get a government subsidy to buy a plan in the Individual Marketplaces. You'll have a range of plans to choose from.

I'm new to this whole thing! I don't have any health insurance. Where do I start?

An approach for Kendi

If you work at a small company, health reform is making it easier for your employer to offer a plan that meets the new government standards. Talk with the person in your company who handles benefits to learn what's available.

If you're not working, or your employer doesn't offer an affordable plan, you may be able to get a subsidy to help you buy a plan through the Individual Marketplace in your state.

Also: I Have Insurance  |  I'm in Transition