Financial Aid and Medicaid continued...
You also may be eligible for cost-sharing subsidies that will lower your costs when you get medical care. Cost-sharing subsidies are available only if you buy a silver-level plan.
Some states expanded Medicaid so more people can get health insurance coverage. Indiana did not, but received federal approval to continue its Healthy Indiana Plan, which serves adults between ages 19 and 64 who earn less than 100% of the federal poverty level (approximately $12,000 for individuals and $24,000 for a family of four). The state has a pending application with the federal government to expand Healthy Indiana in 2015 (called HIP 2.0) to offer coverage to more residents, at different income levels. Healthy Indiana enrollment was closed as of August 2014 because of a lack of funds.
CHIP: The Children's Health Insurance Program, called Hoosier Healthwise in Indiana, provides coverage for children, pregnant women, and some parents or caretakers of children who have a low income but are not eligible for Medicaid. For information, go to in.gov or call 800-889-9949.
Check with HealthCare.gov to see if you are eligible for these programs.
In addition to Healthcare.gov, there are several ways you can get help with your insurance decisions:
- Call Center: You can call the federal government's help line, 800-318-2596, 24 hours a day, 7 days a week for information, help, and to buy insurance.
- Navigators and Assisters: They can teach you about the Marketplace and guide you through your insurance decisions. Find a list at LocalHelp.HealthCare.gov.
- Local, State, and Federal Organizations: Many health and community organizations, public libraries, and hospitals are offering help. Find a list at LocalHelp.HealthCare.gov.
- Insurance Brokers and Agents: People in the insurance business who are specially trained also can help you buy insurance through the Marketplace, and they may have policies that are not offered on the Marketplace. You can only get tax credits or subsidies if you buy through the Marketplace, though.