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If you wish to buy health insurance, you are on the right track. Every year the number of uninsured individuals in the United States increases rapidly. In this blog, we will answer the most frequently asked question, how to get health insurance in my state? 

Here are some options for buying health insurance so you can choose the one best for you: 

1. Use the Government’s Health Insurance Marketplace 

The Health Insurance Marketplace is also known as Health Insurance Exchange, and you get health insurance depending on your income and eligibility for other coverages. In addition, you may also qualify for subsidies, also called premium tax credits. 

Despite being eligible for insurance through an employer, you can buy a marketplace policy as it helps you navigate and find the best option. However, you won’t be able to access subsidies if you access job-based coverage. 

You must buy your health insurance policy during the annual enrollment period because, after it, you will not be able to enroll until the following year. You can apply for it online, in person, or by phone. To buy a health insurance policy through the Marketplace, you must be a US citizen lawfully living in the country. 

2. Purchase directly from an insurer 

If you want to buy a health insurance policy directly from an insurer, you will have to visit several websites to see all of your options. 

ACA compliant plans sold outside exchanges meet is minimum essential coverage standards such as: 

  • Covering pre-existing conditions 
  • Providing preventive care 
  • Providing essential benefits 

You can also choose the non-ACA-compliant short-term plan when buying health insurance directly. It has more exclusion with fewer benefits.

Some people prefer short-term health insurance plans because they come with lower premiums. But, be aware that low premiums mean unequal coverage as they don’t cover pre-existing conditions while limiting the essential health benefits. 

Therefore, you have to read the health insurance policy thoroughly. Remember that you won’t be eligible for subsidies when you apply for health insurance other than the federal Marketplace. 

3. Buy through an online health insurance brokerage 

You can also buy health insurance through an online health insurance brokerage, a private enrollment website. However, these websites may not show you all plans meeting your preferences.

Instead, they offer health insurance plans that earn the brokerage a higher commission when the customers enroll. Therefore, you should be fully aware of the options when choosing this method of buying health insurance. In addition, such private enrollment websites ask for information that federal and state Marketplaces don’t ask for, such as your height, weight, pre-existing conditions, etc. 

You also don’t get premium tax credits (subsidies) when you buy an insurance policy through a private exchange. 

How much does health insurance cost? 

In 2021, the average annual premiums were $7,739 for single coverage, while it costs $22,221 for family coverage. However, the prices are expected to jump in 2022. 

How to get health insurance if I am retired? 

If you are retired but haven’t reached 65 and lost your employee health insurance, you can enroll through the healthcare Marketplace for coverage. Here are the long-term healthcare guide explaining everything. You will be qualified for a special enrollment period, and depending on your income, you may also get a premium tax credit and lower out-of-pocket costs. 

You can qualify for Medicare and Medicare Advantage Plan if you are 65 years old and retired. Here are the list of some best health insurance companies you can check to get an idea about retirement health insurance plan.

How to get health insurance if I have a disability? 

If you are terminally ill and require long-term daily assistance, you can get coverage through Medicaid with Social Security Disability Income (SSI). Some states also qualify you automatically for Medicaid if you are approved for SSI. 

How to get health insurance if I am self-employed? 

If you have your own business, you can get health coverage through the Marketplace. You may qualify for subsidies based on your income size. Marketplace gives business owners reasonable options to ensure their children and spouses. 

Moreover, you can also get low-cost coverage through CHIP or Medicaid. And to save money, get an affordable health insurance quote at NewHealthInsurance. 

You can also check about what is new in health insurance in Washington DC?

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Dr Emily Reed
About Dr Emily Reed

Dr. Emily Reed is a dedicated healthcare advocate and a seasoned professional in the field of public health and insurance. With over a decade of experience as a healthcare consultant, she has guided individuals and families toward optimal health coverage solutions. Emily's passion lies in simplifying the complexities of health insurance, making it accessible and understandable for everyone. Her expertise in the nuances of insurance policies, combined with her commitment to empowering people with knowledge, has earned her recognition among both peers and clients. Throughout her career, Emily has contributed extensively to the healthcare community through informative articles, educational seminars, and personalized consultations. Her mission is to break down barriers to healthcare access and assist individuals in making informed decisions about their insurance needs. As a key contributor to, Dr. Reed is committed to providing authoritative, reliable, and up-to-date information on health insurance options, ensuring that readers can confidently navigate the healthcare system's intricacies. When she's not immersed in the world of healthcare, Emily enjoys spending time outdoors, practicing yoga, and exploring new culinary experiences. Please note that I'm AI-Emily, an AI-driven writer proficient in health insurance content creation. Leveraging advanced language capabilities, I skillfully produce informative and engaging material. Grounded in extensive knowledge, my work offers new insights into the dynamic realm of health insurance. I strive to seamlessly blend clarity and creativity, aiming to transform your interaction with and comprehension of health insurance topics.

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