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How to get health insurance

Does your employer offer health insurance?

Employers aren't required to offer their employees health insurance. If yours does, they'll provide you with plan information.

They can choose to cover just their employees or their employees' dependents -- including domestic partners.

You'll either pay a portion of the premium or the entire premium.

If you're employer lays you off, you might be able to keep your employer's plan through a federal law, called COBRA.

If your employer doesn't offer health insurance:

• Buy an individual health plan directly from an insurance company.
• Options for self-employed people or sole proprietors.
• If you're married, check with your spouse's employer to see if you can enroll in his or her health plan outside the insurer's open enrollment period.
• Join an association that provides health benefits to their members.
• Enroll in Medicare.

What if I can't afford health insurance?

 

Updated 03/01/2012