Types of Health Insurance Coverage

When reviewing your 2023 health plan options, you may come across a few common types of health insurance, like Individual and Family, Group, Medicare or Medicaid.

If you are looking for maternity coverage, dental services or prescription drug coverage, check out the plan details for different types of health insurance and specific plans to make sure you get the coverage you need.

Individual Health Insurance For You and Your Family

Individual and family health plans are a type of health insurance coverage available for you and your family.

These plans cover a wide range of services and:

• Last a year
• Can usually be renewed
• Meet the essential requirements set by the Affordable Care Act

Affordable Care Act requirements include:

• Emergency services, hospitalization, and preventive care
• Maternity, newborn and pediatric care
• Mental health care & substance abuse treatment
• Lab services, prescription drugs, and disease management
• Rehabilitative services and devices

If you enroll in an Individual and Family health plan, you may be able to get help lowering your monthly bill with a premium tax credit, also known as a subsidy.

If you qualify for a premium tax credit, you can enroll in an on-Exchange plan through beWellnm from November 1, 2022 - January 15, 2023. If you don't qualify for a premium tax credit, you can also enroll directly with a health insurance provider, or off-Exchange, from November 1 - December 15, 2022.

Learn more about getting financial help to lower your monthly bill.

Employer Insurance Plan

If you get your health plan through your job, this is called an employer insurance pan. It's also known as a group insurance plan or group coverage.

Medicare

Medicare  is a type of health insurance coverage for people age 65 or older or people under 65 with certain disabilities or illnesses.

You can add to your Original Medicare Part A (hospital) and Part B (medical) to help strengthen your health insurance safety net:

• Part C – Medicare Advantage Plans can be seen as all-in-one coverage, some with built-in prescription drug coverage
• Part D – Prescription drug coverage that pays for approved drugs
• Medicare Supplement Insurance Plans – May help pay for health care costs not covered by Original Medicare

Medicaid and Children's Health Insurance Program (CHIP)

Medicaid and CHIP are types of low- or no-cost health insurance through the government. Your eligibility is based on your household size and income and determined by the government. You can apply any time of year.

• If you qualify, coverage can start right away.
• For Medicaid, visit Medicaid.gov.
• For CHIP, visit insurekidsnow.gov or call 1-877-543-7669.

We're Here to Help You

Send us a question or request more information.  Our team is here to help you get a 2023 health plan for yourself or family.

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