Health Insurance Open Enrollment:
You Have Options


Whether you are part of the 153 million Americans who receive health insurance coverage from an employer, the more than nine million self-employed, or the almost 14 million unemployed, tough economic times, rising medical costs and new laws related to healthcare reform make now a great time to reeducate yourself about health insurance.


If you receive health insurance through an employer, consider the following before selecting a coverage plan this year:

If you are self-employed or if your employer doesn’t offer coverage, you face unique challenges in finding and keeping health insurance, but you still have choices.

If you are unemployed, within the past year you were likely forced to determine how, or if, to continue your health insurance. Now is a good time to review your decision. If you’ve been out of work for some time and your income has taken a significant hit, you or your family members might be eligible for Medicaid or the Children’s Health Insurance Program.


There are several types of health insurance.


Major medical plans typically cover a comprehensive array of healthcare needs, including doctors’ visits, drugs and hospital care. These benefits can be delivered in several different ways:

Limited benefit plans provide coverage for a particular healthcare setting, ailment or disease.


Here are some of the options that may be available to you:

Additional coverage options provide added protection should you become disabled, require long-term care or enroll in Medicare:

The following are two types of health-related services that are NOT health insurance plans:

Health insurance – whether provided by your employer or purchased independently by yourself – can be expensive. Here are some ways you can control your costs:

Health Insurance for Your Life Stage


In addition to your work situation, your family structure and lifestyle also have an impact on your health insurance needs. Find the right fit for you.

Many other special health insurance considerations come into play for domestic partners, single parents, military, and seniors who are raising grandchildren. Knowing your options helps you save time, money and frustration.


Visit the NAIC's Special Section: PPACA & State Insurance Regulation for the latest news regarding healthcare reform implementation efforts.


Visit HealthCare.gov for information from the U.S. Dept. of Health & Human Services (HHS).