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 their Medicaid programs so more people can get health insurance coverage. Because West Virginia is one of them, you may be eligible if your annual income is no more than about $16,000 for one person and about $33,000 for a family of four.
CHIP: The Children's Health Insurance Program, called CHIP in West Virginia, 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 Assisters: They can teach you about the Marketplace and guide you through your insurance decisions. Find a list at LocalHelp.HealthCare.gov or at BeWV.com.
- Local, State, and Federal Organizations: Many health and community organizations, public libraries, and hospitals are offering help. Find a list at LocalHelp.HealthCare.gov or a calendar of local events at BeWV.com.
- 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 find a list of brokers and agents in West Virginia through BeWV.com. You can only get tax credits or subsidies if you buy through the Marketplace, though.