I have 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.

Health reform does offer another way to get health insurance: your state's Marketplace. If your employer's plan meets government medical coverage and affordability standards, it is likely you won't qualify for a subsidy to help you pay for a plan.

If your employer does not offer coverage for spouses or children, your spouse and children can buy coverage separately, directly from an insurance company or agent, or in the Individual Marketplace.

The government does provide subsidies for qualified people to help pay the premium costs for a plan purchased in the Individual Marketplace. Subsidies are based on household income and family size, so you'll want to complete an application for the Individual Marketplace to determine whether you or your family qualify for financial help.

In most cases, the best choice is to continue getting coverage through your employer. Many employers pay part of the cost for the plan, and this can be a big help to you.

Under health reform, you can expect your old plan to offer new protections. For example, your plan can't limit the amount it will pay per year or over your lifetime for essential health benefits.

To help control rising health costs, many employers are choosing high-deductible plans. These plans require you to pay a fixed amount of money, called a deductible (for non-preventive care services), before the plan starts to pay for your health care. Depending on the plan, the deductible amount can be a lot of money. To help you pay for health expenses until you meet the deductible, many employers are adding health savings accounts, or HSAs, which let you pay for health expenses with pre-tax money.