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How To Get Affordable Health Insurance (All You Need To Know)

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How To Get Affordable Health Insurance

Under the Affordable Care Act, or ACA, individuals and families can potentially get access to inexpensive health insurance options such as medical insurance, dental insurance, vision insurance, or other types of health insurance.

Finding affordable health insurance remains a challenging process.

In essence, the premiums that health insurance providers charge can vary depending on where you live, your income, and the size of your family.

As a result, the most effective way to get affordable health insurance without overpaying for your premiums is to shop around.

What Is Affordable Health Insurance

In 2010, Barack Obama signed the Affordable Care Act allowing many American households to become eligible to receive subsidies allowing them to cover health insurance premiums.

In essence, households having a total income between 100% and 400% of the federal poverty line (FPL) could be eligible to receive subsidies.

Further to the ACA, individuals and families can purchase health care coverage through a state or federal health care marketplace allowing them to find a variety of health care plans.

In addition, under the ACA, an insurance provider cannot refuse anyone’s coverage based on gender or a pre-existing condition they may have.

The ACA health care plans do not have any lifetime or annual limits on coverage and cover young adults under their family’s insurance plan until they reach the age of 26.

Health Insurance Plans

There are various ways that you can get health coverage.

Let’s look at the typical ways how you can get coverage under a health insurance plan:

  • Through your employer’s group insurance
  • Through your spouse’s or partner’s employment group insurance
  • Through your parent’s health insurance plan until the age of 26
  • Through an insurance plan that you purchase from a health insurance company 
  • Through an insurance plan that you purchase through the Health Insurance Marketplace
  • Through government programs such as Medicare, Medicaid, or the Children’s Health Insurance Program (CHIP)
  • Through the Veterans Health Administration 
  • Through TRICARE for military personnel 
  • Through your state if it offers a health insurance plan 
  • Through the temporary continuation through a former employer under the Consolidated Omnibus Budget Reconciliation Act (COBRA)

There are different types of health insurance plans available, such as:

  • A fee-for-service health insurance plan where you have a lot of flexibility but you’ll end up paying the most
  • Health maintenance organizations (HMOs) covering the costs of preventive care
  • Preferred provider organizations (PPOs) giving covering like HMOs 

When To Enroll In Affordable Health Insurance

Generally, you can enroll in affordable health insurance at the end of the year.

During the end of year enrollment, you are able to make the necessary changes to your health care coverage.

In essence, you are free to re-enroll in your current plan, choose another plan to replace your existing one, make changes to your current plan, or even enroll in a plan for the first time.

Once you enroll, you will no longer be able to make any changes unless:

  • Your civil status changes (you get married or get divorced)
  • You have a new baby
  • You lose another coverage
  • You move 
  • You qualify for Medicaid or CHIP

How To Enroll In Affordable Health Insurance

There are several ways you can enroll in affordable health insurance.

The first method is to go to the HealthCare.gov website to apply for the plan of your choice through the ACA Health Insurance Marketplace.

From there, you will then get directed to the marketplace applicable in your state.

Alternatively, you can call the Marketplace Call Center to find out how to enroll.

You can reach the call center by going to HealthCare.gov’s Contact Us page.

You can also visit the HealCare.gov’s local center to apply in person or you can complete the ACA Health Insurance application form to apply by mail.

How To Get Affordable Health Insurance Tips

Here are a few tips for you to get more affordable health insurance coverage.

Although the Affordable Care Act has enabled many Americans to access health care affordably, the premiums you may have to pay can vary depending on where you live, your income, and your family size.

To help you save on your healthcare insurance premiums, here are some tips you should keep in mind:

  • Choose a health insurance plan that suits your needs and that follow the Affordable Care Act guidelines 
  • Make sure you fully understand your health insurance plan benefits by reading the fine print or having it explained to you 
  • Deal with doctors, hospitals, and health care professionals that are part of the provider network to help lower your medical bill 
  • Look at the details of your plan to see if you can save on pharmacy services 
  • Look at the details of your plan to see if you have other coverages for vision or other special incentive programs
  • Most importantly, stay healthy!

Frequently Asked Questions

Let’s look at a few recurring questions relating to how to get Affordable Care Act insurance.

How Can I Get Affordable Health Insurance

If you’re looking to find the best health care insurance coverage suited for you, you should shop around, contact different health care providers, compare plans, and choose the best one.

If your family income is within 100% to 400% of the federal poverty level, you may be eligible to receive a subsidy to offset your health care premiums. 

Be sure to look into that.

When Can I Purchase Affordable Health Insurance 

To purchase affordable health insurance, you’ll typically need to enroll during the open enrollment period (usually at the end of the year).

Otherwise, you can purchase short-term health insurance coverages at any time without having to wait for the enrollment period.

In certain cases, when your circumstances change, you may qualify for a special enrollment period such as when you move, have a new baby, or your civil status changes.

How To Choose An Affordable Health Insurance Provider

Choosing the best affordable health insurance provider is an important decision.

Here are the steps you need to take to ensure you choose the best affordable health care company:

  • Identify the affordable health insurance companies near you
  • See if you are eligible for ACA subsidy 
  • Look at the plan deductibles 
  • Have a look at the copays 
  • See what benefits are included 
  • Ensure you can afford the monthly premium payments 

How To Find Affordable Health Insurance Takeaways 

So there you have it folks!

How to get Affordable Care Act insurance?

The Affordable Care Act (ACA) signed into law by Barack Obama has made it easier for many to get affordable health insurance coverage.

The best way to get health insurance that suits your needs is to shop around and find a provider offering you what you need at an affordable price.

There are many ways you can get coverage, such as through your employer, by purchasing your own health care coverage through an insurance agent or from an insurance company, or through the Health Insurance Marketplace.

I hope that I was able to answer your question on how to find affordable health insurance and what you should do to get affordable health care.

Good luck!

Let’s look at a summary of our findings.

How To Get Affordable Health Insurance Summary

  • The Affordable Care Act (ACA) formally known as the Patient Protection and Affordable Care Act (or Obamacare) is a US federal statute reforming the US health care system and expanding coverages
  • To get affordable health care, you must enroll during the ACA enrollment period which typically happens at the end of the year 
  • Throughout the year, you may make changes to your plan if you get married, divorced, have a baby, lose another coverage, move, or qualify for Medicaid or CHIP
  • You may purchase health care coverage through your state or federal health care marketplace offering various plans 
Disability insurance
Fee-for-service health insurance plan 
Health maintenance organizations
How to find insurance
Liability coverage 
Life insurance 
Long term care insurance 
Preferred provider organizations
Single-payer health care
Universal health care 
What is CHIP
What is COBRA
What is gap insurance
What is Medicaid
What is Medicare
Car insurance claims 
Car repair insurance 
Full coverage car insurance 
Mechanical breakdown insurance 
Rental car insurance 
Truth in Lending Act 
Types of car insurance 
What is collision insurance 
What is comprehensive insurance 
What is credit life insurance 
What is Edmunds 
What is Kelley Blue Book
When is a car considered totaled


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