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.
Medicaid Expansion : Some states expanded Medicaid so more people can get health insurance coverage. Although Missouri did not, you may still qualify for some type of assistance even if your income is too low to qualify for a premium subsidy.
CHIP: The Children's Health Insurance Program, called MO HealthNet for Kids in Missouri, provides coverage for children of some families who have a low income but are not eligible for Medicaid.
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 Certified Application Counselors: They can teach you about the Marketplace and guide you through your insurance decisions. Go to CoverMissouri.org or LocalHelp.Healthcare.gov to find a list of individuals and organizations that are licensed to help.
- Local, State, and Federal Organizations: Many health and community organizations, public libraries, and hospitals are offering in-person help. Find a list of educational and enrollment events at CoverMissouri.org.
- 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.