How to find health insurance

The U.S. Department of Human Services administers three free or low-cost health insurance programs:

The Affordable Care Insurance Marketplace provides four basic ways to apply for health coverage through the Marketplace:.

  • Apply online. Visit to get started.
  • Apply by phone. Call 1-800-318-2596 to apply for a health insurance plan and enroll over the phone. (TTY: 1-855-889-4325)
  • Apply in person. Visit a trained counselor in your community to get information and apply in person. Find help in your area at
  • Apply by mail. Complete a paper application and mail it in. You can download the paper application form and instructions from

Medicare insurance is available for people age 65 or older, younger people with disabilities and people with End Stage Renal Disease (permanent kidney failure requiring dialysis or transplant). For information about Medicare, go to On this site you can learn if you are eligible for Medicare.

Medicaid is for certain individuals and families with low incomes and resources. Eligibility and benefits vary considerably from State to State. To find information about Medicaid, go to

State Children’s Health Insurance Program (SCHIP) provides free or low-cost insurance for children in working families, including families with individuals with a variety of immigration statuses. For more information on SCHIP, visit your State’s SCHIP website.

There is also a nationwide network of community-based health care centers that provide primary health care services at low or no cost. Find a community health center near you.

Health Insurance

  • Health Insurance

This site contains everything you need to know about health insurance, how to get covered, and how to use your coverage to keep yourself and your family healthy.

Open Enrollment for 2022 health insurance ran between November 1, 2021 and January 15, 2022.

Consumers who missed the January 15 deadline for 2022 coverage may still qualify for a Special Enrollment Period if they experience a qualifying life event, such as a birth, job loss, or divorce. In addition, Michiganders who qualify for the state’s Medicaid or MIChild programs can apply at any time. For help getting started, and to figure out for which programs they qualify, consumers should visit

Your local agent or assister can help with the application or answer your questions. Find Marketplace help near you by visiting

  • Health Insurance

When to apply: Open enrollment on the Health Insurance Marketplace ended Jan. 15, 2022.

Special enrollment periods may be available if you’ve experienced a qualifying life event. Learn more.

For assistance: Visit or call the Marketplace Call Center at 800-318-2596.

Coverage is available through Medicaid and the Healthy Michigan Plan, depending on income and other factors.

When to apply: Any time

For assistance: Visit MI Bridges or call the Michigan Health Care Helpline at 855-789-5610.

Medicare is health insurance for people 65 or older. You’re first eligible to sign up for Medicare 3 months before you turn 65 and 3 months after the month you turn 65. There are certain situations where you may be able to sign up for Medicare during a special enrollment period, for example if you lose employer-provided health insurance.

For assistance: Visit or call the Michigan Medicare Medicaid Assistance Program at 800-803-7174.

  • Upcoming Virtual Town Halls

Get Answers to Your Questions

Access the health insurance resources below or contact the Department of Insurance and Financial Services (DIFS) at 877-999-6442 from 8 a.m. to 5 p.m. Monday through Friday.

For a list of other state and federal agencies that may be able to help with health coverage questions, visit the Important Contact Information webpage.

Feel confident choosing the coverage you need at a price you may be able to afford.

What is the Marketplace?

The Health Insurance Marketplace ® , or Exchange, is an online shopping center based at It’s where to go to apply for coverage, find out if you qualify for savings, and make changes to your health plan.

Visit to find out if your state uses the federal Marketplace or a state based Marketplace.

If your employer offers health insurance coverage, they may have a website where you can shop for plans. This is called a “private exchange,” and it’s different from the Federal or State Marketplaces.

The Marketplace makes it possible to find health care coverage that meets your needs and budget.

During the Open Enrollment Period, you can view, compare, and apply for Cigna individual medical plans online directly through Cigna. You can also see if you are eligible for federal financial assistance and apply that assistance to your Cigna plan.

Who shops on the Marketplace?

If you and your family don’t have health insurance coverage through your job, you can choose a health plan from the Marketplace and pay for it on your own. If you are self-employed or unemployed, the Marketplace is a place to go for health coverage. If your employer offers health insurance coverage, you can still shop the Marketplace, but you will pay full price for your plan. Everyone who shops the health insurance Marketplace must be a U.S. citizen and live in the United States. If you qualify for Medicare, you are not eligible to shop the Marketplace. People who are incarcerated are also not eligible.

When can I buy a plan on the Marketplace?

You can shop for health insurance during Open Enrollment or a Special Enrollment Period. The Open Enrollment period starts each year on November 1, and ends December 15. 1 A Special Enrollment Period is open to people for 60 days after certain life changes such as moving, getting married, or having a baby. 2

What kinds of health insurance plans are available on the Marketplace?

There are four levels of health plans that you can buy on the Marketplace: Bronze, Silver, Gold, and Platinum. (“Catastrophic” plans may be available to some people.) Each level pays a different portion of your health care bills.

You will also pay a portion of your health care expenses through your monthly premium, copays, deductible, and coinsurance. The amount you pay depends on your plan.

The right plan to choose will depend on many factors, which vary from one person to another.

Can I get federal financial assistance?

Depending on your annual household income and the number of people in your household, you may qualify for federal financial assistance to help you pay for health insurance. Financial assistance can lower the cost of your monthly premium, the amount you pay when you get care, or both.

Because there are many different types of health plans, you should be sure to look for the one that fits your needs. Comprehensive health insurance provides benefits for a broad range of health care services. These health plans offer a detailed list of health benefits, may limit your costs if you get services from one of the providers in the plan’s network, and typically require co-payments and deductibles.

Here are some of the types of plans offered in Massachusetts

Health Maintenance Organization

HMO plans cover hospital, medical and preventive care. You are only covered if you get your care from HMO’s network of providers (except in a case of emergency). With most HMO plans you pay a copayment for each covered service. For example, you pay $30 for an office visit and the HMO pays the rest of the cost.

Preferred Provider Plans (PPP)

Preferred provider plans usually cover hospital, medical and preventive care. These plans have a network of preferred providers that you can use, but they also cover services for out-of-network providers. PPP’s will pay more of the cost if you use a provider that is in the network. Example: After copays and deductibles, the plan pays 100% of a service for a network provider but 80% for an out-of-network (OON) provider. Note that if you choose to go OON when you are in a PPP, your provider may balance bill you directly for the entire cost of the procedure.

Major Medical Plans/ Indemnity Plans

Major medical plans usually cover hospital and medical expenses for an accident or illness. Some of them may also cover preventive care and office visits. These plans usually cover a percentage of your covered costs. Example: the plan pays 80% of your hospital stay and you pay the other 20%. With these plans, you are covered for any licensed health providers.

Sharing The Cost

Whether you choose a major medical plan, an HMO or a PPP, your plan will probably have some “cost-sharing” features. This means that you share the cost of care by paying part of the charge for each service and the insurance company pays the rest. Pick a plan that works best with the type of health insurance you think you will use. Different cost sharing features are listed below:


A copayment is a fixed dollar amount that you pay directly to a doctor, hospital or pharmacy at the time you get service. Example, you pay $30 for an office visit and the plan pays the rest. A Plan may have different copayments for different types of services.


The copayment for a primary care visit may be $30 and copayment for an emergency room visit may be $150.


A deductible is the amount you pay before the plan starts to pay for most covered services. You usually must pay your deductible first, and then your other cost sharing begins, such as copays and coinsurance.


You pay a $2,500 deductible toward your health care services each year before the plan pays any Coinsurance is a percent of the allowed charge that you pay for a covered service benefits.


Coinsurance is a percent of the allowed charge that you pay for a covered service.


You pay 20% of the cost of a covered office visit and the plan pays the rest.

Benefit Limit

Some health plans have a limit on the visits allowed for a specific covered service.

Example: The plan may allow only 10 visits to a chiropractor.


Exclusions are listed services for which there is no benefit.

Example: The plan may exclude (not pay for) cosmetic surgery, and you will pay for the entire cost of service.

Out-Of-Pocket Maximum
An out-of-pocket maximum is a cap on your cost sharing for a year. Once your cost share amounts reach the out-of-pocket maximum, the plan pays 100% of the covered services for the rest of that year.

Ways To Get A Health Plan

There are many different ways that you can buy a health plan in Massachusetts. Many people get their health plan through their place of employment. For people that can’t do this, there are several other ways to get a health plan.

Through Your Employer or Union

In Massachusetts over 70% of all employers offer health insurance as a benefit to their employees. Most of these employers pay part of the premium and also offer a choice of several health plans. You can choose the health plan that is best for you from the choices offered.

Qualified Student Health Insurance Plan (SHIP)

If you are enrolled as a student in a Massachusetts college or university, you can buy a health plan through your school. This SHIP id designed for students and is only available while you are enrolled.

Directly from an Insurance Company

Massachusetts residents can buy health plans directly from an insurance company. And the company can’t turn you down if you have a health condition. Sometimes the company will direct you to purchase their health plan through an intermediary. An intermediary is a company that takes care of the enrollment and premiums.


If you meet certain income requirements, you may be eligible for MassHealth. This is a Medicaid program paid for by the state and federal taxes for eligible persons. You can learn more at call 1-800-841-2900

Through the Connector

If you do not work for an employer that pays at least 33% of your health plan premium, you may be able to purchase a health plan from the Connector. These are plans offered by Massachusetts HMOs that the Connector has picked to have good value.

You may be eligible for subsidies to help you pay the premiums, depending on your income. Any Massachusetts resident can enroll in a health plan during the annual open enrollment period. Otherwise, you may be able to enroll at other times during the year if you have special circumstances (qualifying events). For example, recently moving to Massachusetts or recently losing your health insurance.


If you are over 65, or if you have a certain type of disability, you may be eligible for Medicare. You can learn more by calling the Social Security Administration at 1-800-772-1213 or Visit your local Social Security Office.

Other Government Health Plans

The state and federal government provide lower cost health coverage for certain people through public health programs. This includes the Indian Health Services, Peace Corps, CommonHealth, HealthyStart and other programs. You may call 1-800-841-2900 to learn more about these programs.

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How to find health insurance

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Any information provided on this Website is for informational purposes only. It is not medical advice and should not be substituted for regular consultation with your health care provider. If you have any concerns about your health, please contact your health care provider’s office.

Also, this information is not intended to imply that services or treatments described in the information are covered benefits under your plan. Please refer to your Membership Agreement, Certificate of Coverage, Benefit Summary, or other plan documents for specific information about your benefits coverage.

Nov. 1, 2021
2022 open enrollment for Connect for Health Colorado begins and you can see if you qualify for financial assistance.

Jan. 15, 2022
Connect for Health Colorado open enrollment period for 2022 closes, but you can still apply and get covered if you have a qualifying life event. Health First Colorado (Colorado’s Medicaid program) enrollment is year-round.

How to find health insuranceNo one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses. Health insurance coverage can also help you get and stay healthy by covering some preventive and wellness services.

Colorado’s health care laws can help more people access the insurance they need. More Coloradans are now able to qualify for health insurance coverage through Health First Colorado (Colorado’s Medicaid program). Also, residents who qualify have access to financial assistance to help them buy private insurance through the Connect for Health Colorado marketplace. These changes make it easier for many Coloradans to meet the federal requirement to have health insurance coverage.

More Coloradans can now get Health First Colorado (Colorado’s Medicaid program)

Now, more adults without kids and parents may qualify for free or low cost coverage through Health First Colorado. Health First Colorado covers doctor visits, hospital stays, emergency room and urgent care, prescription drugs, dental services, behavioral and mental health services, x-rays and blood work, well-child visits, maternity care, newborn care and many others. Learn more about what Health First Colorado covers.

Connect for Health Colorado Marketplace

Connect for Health Colorado may also help you meet the insurance requirement. Having health insurance can help protect your health and your financial future.

  • If you don’t have health insurance but make too much money for Health First Colorado, Connect for Health Colorado can help you learn if you qualify for federal financial assistance to help lower the costs of your insurance.
  • If you do have health insurance, you still have the option to shop for a new plan at Connect for Health Colorado.

You may also be able to qualify for financial assistance through Connect for Health Colorado outside of open enrollment if you have experienced a qualifying life event such as losing your job-based coverage, getting married, or having a baby. Visit for more information.

What’s the next step?

If you are uninsured or looking for health coverage, you have some options to apply:

Health First Colorado

You have multiple options to apply for Health First Colorado (Colorado’s Medicaid program). You can apply online, over the phone, in person or by mail. Health First Colorado enrollment is open year-round.

  • Apply or ask questions by phone at 1-800-221-3943 / State Relay: 711. .

Health Insurance Marketplace

Coloradans can use the Connect for Health Colorado Marketplace to shop for private health insurance plans and find out if they qualify for financial assistance to lower their health care costs. When the open enrollment period is closed you may still be able buy insurance through Connect for Health Colorado if you have experienced a qualifying life event.

  • Get help by phone at 1-855-PLANS-4-YOU (1-855-752-6749). .

You’re always free to buy health insurance from a private company or broker. All plans have been reviewed by the Colorado Division of Insurance to make sure they meet the requirements for health care reform.

The State of Florida offers comprehensive health coverage to meet the needs of you and your family through a variety of health plans. Each plan is focused on helping you stay healthy through preventive care benefits as well as providing access to healthcare services when you need them. Each option covers most of the same types of health services, but provides those services and shares costs with you in a different way.

Below are key highlights of the different types of plans. Click on each plan name to learn more. If you or your eligible dependent is Medicare eligible, be sure you understand what you need to do. Also, see different prescription drug costs on high deductible and standard plans. This may be a factor in your choosing a health plan. Find out if you are eligible for these benefits.

How to find health insurance

PPO Options:

  • You may receive care from any doctor or healthcare provider.
  • Your cost for care is lower when you use PPO in-network providers.
  • You have a deductible to meet before the plan pays towards the cost of your healthcare services, except for most preventive care services.

Standard PPO

  • Lower deductible (in-network: $250 per person, $500 per family).
  • Higher contributions (payroll deductions) for coverage. .
  • Copayments and coinsurance.

High Deductible PPO

  • Higher deductible (in network: $1,400 per person, $2,800 per family).
  • You meet the deductible, and then pay coinsurance for services you receive.
  • Lower monthly contributions (payroll deductions) for coverage. with contributions from the state plus Limited Purpose FSA for dental and vision.
  • Coinsurance only.
  • For more information on the high deductible plan, view this video.

HMO Options:

  • You pay the entire cost if you receive care from a non-network provider, except in certain health emergencies.

Standard HMO

  • No deductible.
  • You pay a copayment when you receive care from network providers
  • Higher contributions for coverage. .

High Deductible HMO

  • Higher deductible (in network: $1,400 per person, $2,800 per family).
  • You meet the deductible, and then pay coinsurance for services you receive.
  • Lower monthly contributions (payroll deductions) for coverage. and Limited Purpose FSA for dental and vision.
  • For more information on the High Deductible plan, view this video.

* State Group Insurance HDHPs have lower out-of-pocket maximum limits than limits set by the Internal Revenue Service. See your 2021 plan document for details.

Call the Health Insurance Marketplace Call Center at (800-318-2596, or TTY 855-889-4325 if:

  • Someone other than the insurance company you’ve chosen contacts you about health insurance and asks you to pay – or asks for your financial or personal health information
  • Someone you don’t know contacts you about getting health insurance and asks you to pay – or asks you for your personal financial or health information
  • Someone contacts you and claims to be from the government or Medicare – and asks you to pay for a new “Obamacare” insurance card
  • You give your personal health, bank account, or credit card information to someone who calls you and says they’re from the government

Iinformation about unemployment taxes and unemployment benefits.

Learn about various types of insurance and ways to plan and protect yourself.

Visit the Cover Arizona web site, which may help you to find a local navigator or certified application counselor to help you obtain health benefits coverage.

Use the Health Insurance Marketplace to apply for coverage, compare plans and enroll. If you have questions, call the Health Insurance Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325).

Visit the Health-e-Arizona PLUS system to see if you might qualify for public benefits, which could include insurance/medical coverage, but may also include nutrition assistance, cash assistance or insurance tax credits.

Access government benefit information.

Protect yourself from scams and fraud, get tips for living on a budget, managing debt, saving and investing, insurance, and other topics.

Information from DIFI about mental health parity.

Apply for benefits through the VA.

Provides a active duty service members, National Guard and Reserve members, retirees, their families, survivors, certain former spouses and others registered in the Defense Enrollment Eligibility Reporting System (DEERS).

Helpful health insurance marketplace resources

If you enrolled in a healthcare benefit plan using and/or you have

  • a change in address
  • a change in income
  • a change in family size
  • become a US citizen or have lawful presence status
  • been released from incarceration, or
  • lost health care coverage

you may be eligible to participate in a special enrollment period. Visit to help you determine whether you are still eligible to enroll in a healthcare benefit program and the effective date of your health insurance coverage.

Descriptions of various types of insurance, buying tips, information about filing claims and more. The TOPICS menu allows you to select a type of insurance for which you want information.

Learn about various types of insurance and ways to plan and protect yourself.

The Affordable Care Act (ACA) has made it easier to get affordable health insurance coverage. This is especially true for those who may not have been able to afford or qualify for health insurance in the past. And now, shopping for health insurance has never been simpler. You can get coverage several ways, including through:

  • Your employer
  • An insurance agent
  • An insurance company
  • The Health Insurance Marketplace
  • Government programs like Medicare or Medicaid (qualified participants only)

Learn More About Health Care Costs

For those who can’t afford health insurance there are a few options to get help paying for health care costs, including:

  1. A premium tax credit decreases your monthly premium. See what your premium could be with our tax credit estimator.
  2. Cost sharing assistance lowers the amount you pay for various health care costs, including your deductible, coinsurance and copays.

Shop for health insurance and find out how to choose a health care plan that’s right for you.

Tips for More Affordable Health Insurance

Help decrease your health care costs and save money using the following easy tips:

  • Choose a health insurance plan that works for you. All Blue Cross and Blue Shield of Texas health plans follow the Affordable Care Act guidelines. They have the same essential health benefits, quality, and amount of care. Where health plans differ are in how the benefits are applied and how much they cost. For example, some plans might have lower premiums and higher deductibles; others have higher premiums and lower deductibles. Learn more.
  • Understand your plan benefits. Because all plans are different, it’s important to know your plan and what is covered before you go for care. Understanding what’s included in your specific plan will help you avoid paying more for out-of-network services. Learn more.
  • Stay in network. Provider networks are groups of doctors, hospitals and other health care professionals that have agreed to work with your health plan. When you go to a provider who is not in your plan network, you’ll have to pay a larger portion of the bill – or the entire bill. To find a provider in your network, register or log in to Blue Access for Members SM , our secure member website, for a personalized search experience based on your health plan and network.
  • Save on your prescription coverage. Look closely at your plan to see whether you get discounts for using a certain pharmacy or mail-order pharmacy services. Also, anytime you are able (and it’s available), use a generic version of your medication — most of the time this can help save you money. Learn more.
  • Take advantage of your member perks. Some health care plans offer member discounts on gym memberships and vision services. In addition, some plans offer special incentive programs to help you quit smoking, lose weight or exercise more.
  • Keep your health in check. Improving your health not only feels good, it can save you money. The healthier you are, the less you have to visit the doctor. Do your best to eat right, exercise and get regular health screenings. Encourage all family members to live a healthy lifestyle to live a healthy lifestyle, too.

We’re Here to Help You!

Send us a question or request more information. Our team is here to help you get a 2022 health care plan for yourself or your family.