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Health Care Reform:

Health Insurance & Affordable Care Act

Insurance Marketplaces: What Your State Decides

What Decisions Your State Can Make continued...

How to promote the Marketplace. States are in charge of advertising for their Marketplaces and encouraging people to use them. That matters. If a state is very successful in getting lots of people to buy plans, the costs of insurance in that state could go down for everyone.

Special programs. State Marketplaces may offer extra coverage for health problems that are more common in that state. For instance, if a state has high levels of diabetes, its Marketplace might include more plans that have special programs to help people with that condition.

Coverage for more people with low incomes.  One way health reform was supposed to help more people get medical care was to expand each state's Medicaid plan. Medicaid is the free or low-cost health program for people with very low incomes.

However, states can decide whether or not to expand Medicaid. If a state doesn’t expand Medicaid, some low-income people won't be able to afford coverage. To find out whether you qualify for Medicaid, check out the insurance finder on HealthCare.gov.

3 Things to Know About Your State's Marketplace

Plans will vary state-to-state. If you're trying to help an out-of-state relative buy a plan, remember that their options will be different from yours.

Learn about your state's plan. You can find details about what’s offered in your state by going to our interactive map.

You may get a price break. Your state's web site should let you know whether you can get financial help from the government, called a subsidy or tax credit. This can lower your monthly payment for health insurance or lower your out-of-pocket costs. Your state Marketplace may also show whether you qualify for Medicaid or Medicare.

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