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When it comes to health insurance, you have your choice of several plan types. The two most common types are HMO and PPO.
The differences between HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) plans include network size, ability to see specialists with or without a referral, costs, and out-of-network coverage.
Do you still need health insurance?
You could still enroll if you qualify for certain Special Enrollment Period (SEP) events. The SEP is a time outside the yearly Open Enrollment Period when you can sign up for health insurance. You can qualify for a SEP if you’ve had certain life events including losing health coverage, moving, getting married or divorced, having a baby or adopting a child, if you recently lost Medicaid, or other life changing events.
Thanks to the American Rescue Plan (ARP), you can now save even more on your monthly premium payment and out-of-pocket costs. Many low income individuals and families can sign up at any time! Explore affordable health insurance plans now and see if you qualify for the Special Enrollment Period.
The nation’s public health insurance program for people with low income.
Medicaid is the nation’s public health insurance program for people with low income. The Medicaid program covers 1 in 5 Americans, including many with complex and costly needs for care. Medicaid expansions, eligibility, enrollment and benefits vary from state-to-state.
Children’s Health Insurance Program
The Children’s Health Insurance Program (CHIP) is a health coverage program created to ensure that children would have health coverage even if their families couldn’t afford to pay for private health insurance. CHIP provides low-cost health coverage to children in families with incomes too high to qualify for Medicaid in most states, but low enough where assistance is still needed.