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.

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

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 a more affordable plan. If so, their plan may be your best choice, because your employer is likely paying a portion of the cost.

If your employer doesn't offer a plan that is affordable according to government standards, check with healthcare.gov, to see if you might get financial help for a plan through the Individual Marketplace in your state. If you are eligible for a subsidy, the subsidy can only be used to purchase a plan on the Individual Marketplace. It cannot be used to purchase a plan through your employer or a broker. When you complete the online application, the Marketplace will let you know if you qualify for a federal subsidy.

If you work at a small company, health reform is making it easier for your employer to offer a plan that meets the 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.

What if I work for a small business?

If you own a small business with fewer than 50 full-time-equivalent employees who work 30 or more hours per week, you have access to the SHOP Marketplace in your state. You can make insurance coverage available for your employees and you may be eligible for tax credits.

You can also work with a broker or insurance agent to help you find the right plan for your employees, inside or outside of the SHOP Marketplace.

Employers can enroll in a plan at any time throughout the year.

An employer can offer one or multiple plans to employees. But in most states, a minimum percentage of your employees must enroll.

No subsidies are available in the SHOP.