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Why bother with health insurance?

If you are young and healthy, you may think you don't need health insurance. Or it is too expensive. Or it's not worth it.

Some things to think about:

It may be more intuitive and easier than you think

  • When you apply for insurance in the Health Insurance Marketplace, you'll find out if you qualify for the savings that can make insurance less expensive. You can also save out-of-pocket costs, which means you'll have a smaller discount and pay less each time you get sponsored.
  • You can choose a "catastrophic" health plan, a way to protect yourself from the worst case scenario.
  • The application can be easy and fast. If you are single or have a very simple family situation, applying and finding out what savings you qualify for will not take long.

Good protection and care when bad things happen

  • No one plans to get sick or hurt, but bad things happen, even to healthy people. A broken leg can cost $ 7,500 per treatment. Three days in the hospital can cost $ 30,000. That's a lot of money to get out of your pocket. Having this type of medical debt can really limit your options.
  • If you pay for each medical service yourself, you can make some health care decisions based on money instead of making it better for your health.

Full coverage

  • All Marketplace insurance plans cover emergency services, medical and hospital fees, pregnancy, treatment for all pre-existing conditions, mental health and substance abuse services, lab tests, and a list of essential health benefits. Some of them include covering the teeth.
  • The plans cover services such as breast cancer screening for women and a full range of preventive services for all adults and children.
  • All plans are offered by private insurance companies that compete for your business based on features and price.

Are you going to save? Find out quickly.

  • Use this quick tool to find out if your income puts you in the savings range on an insurance plan. It will also find out if you are in Medicaid in your state. It will take about a minute.
  • If you can save a few more minutes, you can preview your 2020 plans and see how much you will pay for them based on your income. You don't have to create an account or give us your name to verify plans.

An application to know your options and costs

Complete just one Marketplace application to see if you qualify for:

  • An insurance plan with savings based on your income. You will see how much you save immediately. Our sorting and filtering tools make it easy to review plans in parallel.
  • Free or low-cost Medicaid coverage. If you have children, you will find out if they qualify for coverage through CHIP.

A catch: if someone claims that you are tax dependent, you can buy an insurance plan through the marketplace, but you won't qualify for savings based on your income.