Health Insurance In Your State

Top FAQs for Health Insurance In Your State

State health insurance guides | healthinsurance.org

Learn about individual health insurance coverage options in your state, including ACA marketplace plans, Medicaid, short-term health plans, and Medicare.

In the pages of this state health insurance guide, we’ve provided a detailed look at each state’s approach to health policy. When you select your state, you can expect to learn about your state’s:

In many ways, the private health insurance industry is much more uniform from one state to another now that the ACA has provided a nationwide regulatory framework — all individual/family major medical carriers and plans must conform to the requirements laid out in the ACA.

But there are still vast differences in terms of available options: In 2021, the number of carriers participating in each state’s health insurance exchange ranges from one to 13, and overall insurer participation grew again for 2022. In 2022, average unsubsidized benchmark plan premiums vary from $309/month (New Hampshire) to $762/month (Wyoming).

Lawmakers have also given state insurance departments varying levels of oversight in terms of state health insurance plan design and rates. In two states (Oklahoma and Wyoming), annual premium rate review is left entirely up to HHS, and state regulators do not scrutinize rate change proposals. On the other hand, New York’s Department of Financial Services has slashed proposed health insurance rate increases every year since ACA-compliant plans became available, using their regulatory authority.

When it comes to the ACA marketplaces, almost half the states have opted to have at least some control over their own exchanges (establishing either a state-based exchange, a federally supported state-based exchange, or a partnership exchange), but more than half the states have chosen to have HHS run all aspects of their exchanges.

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Health insurance | Washington state Office of the Insurance Commissioner

Category: Health Insurance

Knowing your health insurance options can help save you time, money and frustration. Find information here to help you make a decision about health insurance.

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Health insurance marketplaces by state | healthinsurance.org

State health insurance marketplaces – or exchanges – vary in terms of enrollment platforms, carrier availability, rates and more. Learn more about your marketplace.

The Affordable Care Act (ACA), enacted in March 2010, called for the creation of an exchange in each state, but the practical implementation of those exchanges varies considerably from one state to another. This overview answers questions about what the exchanges are, what they offer, and how they work. You can select a state on the map below to see specific details about that state’s exchange.

A health insurance marketplace – or health insurance exchange – is a platform/portal that consumers can use to purchase private individual and family health insurance plans and receive income-based subsidies to make coverage and care more affordable.

Each state has an official health insurance marketplace, operated either by the state, the federal government, or both. In most states, HealthCare.gov serves as the marketplace enrollment platform, but some states run their own platforms, such as Covered California, New York State of Health, Connect for Health Colorado, MNsure, etc.

You are not required to buy coverage through the marketplace. There is no longer a federal penalty for not having health coverage (although DC and four states have state-based penalties for people who choose to remain uninsured). And even when there was a federal penalty, people could choose to purchase their coverage off-exchange instead of buying a plan through the marketplace (with the exception of DC, where individual and small-group coverage is only available through the marketplace).

But if you don’t buy your coverage through the exchange, you cannot obtain premium tax credits or cost-sharing reductions, even if you’d otherwise be eligible for them (and most people are eligible for subsidies). This is one of the primary reasons people shop in the marketplace, as full-price individual health insurance premiums would simply be too costly for most people.

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Health Insurance and Pharmacy for Active State and Local Employees Nasty Insurance Letter Video

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Health Insurance and Pharmacy for Active State and Local Employees Nasty Insurance Letter Video Basics of Expedia's Travel ...

Finding Health Insurance | USAGov

Category: Health Insurance

Get information on how to find and sign-up for health insurance, including ACA, COBRA, long-term care and health care for people with disabilities.

Note: In response to the coronavirus pandemic, you may be eligible to apply for coverage through the Health Insurance Marketplace during the special enrollment period, February 15 - May 15, 2021.

The Affordable Care Act (ACA) provides individuals and families greater access to affordable health insurance options including medical, dental, vision, and other types of health insurance that may not otherwise be available. Under the ACA:

Open enrollment time typically happens at the end of the year. It’s when you can freely make changes to your health care coverage purchased through the ACA's Health Insurance Marketplace.During the open enrollment period, you will be able to:

Visit HealthCare.gov to apply for benefits through the ACA Health Insurance Marketplace or you'll be directed to your state's health insurance marketplace website. Marketplaces, prices, subsidies, programs, and plans vary by state.

If you have questions about specific parts of your insurance plan, you must contact your insurance company to get answers. Only your insurance company can answer specific questions about doctors, medications, treatments, medical equipment, and what is and is not covered under your plan.

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Texas Health Insurance | Texas.gov

Category: Health Insurance

Learn more about getting health insurance in Texas, from your different health insurance options to affordable healthcare programs.

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Health Insurance Regulations by State - SelfHealthInsurance.com

Category: Health Insurance

If you have ever had to deal with health insurance for your family or your business, you know that it can be an extremely complicated endeavor which generally isn’t a whole lot of fun. What most people don’t realize is that a lot of the costs, rules and details involved are due to various health insurance regulations by state which can change depending on where you are in the country. The federal government has delegated much of the responsibility involved in dealing with and regulating health insurance to the states, which in turn create laws around everything from mandated benefits to provider due process laws.

Currently, health insurance is regulated quite heavily at the state government level. Some states have taken it upon themselves to make very strict rules around health insurance offerings, including dictating to providers what they must cover, what type of medical facilities must be included in their coverage plans, and more. While some believe this is the correct way for states to go in regards to health insurance, others believe that the higher costs end up pricing individuals out of the health insurance market altogether.

Health insurance regulations by state are generally meant to control certain aspects of the health insurance industry to ensure that things don’t get out of hand. States may try to control health care costs that are spiraling out of control, or perhaps enforce that providers must extend coverage to individuals that they normally wouldn’t take the risk on. Each of these decisions causes change in the system; for instance, if health insurance regulations by state demand that unhealthy or higher-risk individuals should be allowed to access low-cost health insurance, then logic dictates that the price for health insurance will increase for everyone who’s part of the plan.

As businesses tend to spend incredible amounts of money on health insurance, it’s critical that they are made fully aware of group health insurance regulations by state and how it can affect the providing of benefits to employees. Even minor changes in group health insurance regulations by state can have a drastic increase in costs, which in turn can cause companies to reduce employee health insurance benefits or eliminate them altogether.

Health plan liability laws are certainly one set of health insurance regulations that companies want to know inside and out. These laws dictate circumstances where the employer can be liable for their employees’ health insurance, and breaking these laws can result in damages or fines.

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The Marketplace in your state | HealthCare.gov

No matter what state you live in, you can enroll in affordable, quality health coverage.

Some states have expanded their Medicaid programs to cover more people. Choose your state and household size and we’ll tell you if your state has expanded and if you may qualify.

A federal government website managed and paid for by the U.S. Centers for Medicare & Medicaid Services. 7500 Security Boulevard, Baltimore, MD 21244. Health Insurance Marketplace® is a registered trademark of the Department of Health and Human Services.

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How Health Insurance Works When You Live in Multiple States

Category: Health Insurance

If you are thinking about having a second home in another state, have you sorted out how your health insurance coverage will work? Learn more about coverage for multiple locations.

If you live in more than one place, how does your health insurance coverage work? That's a question that you might not think of until you're contemplating the possibility of having homes in multiple states, but it's worth considering well in advance, as it can be complicated. This article will explain what you need to know to ensure that you'll have adequate coverage in each location.

If you have employer-sponsored health insurance and you have to move back and forth between two or more locations due to your job, your employer has probably already worked out the details. If they have employees in that situation, they likely have a plan with a nationwide network and coverage in all the areas where their employees live and work.

Having homes in two states isn't just reserved for retirees seeking beautiful weather. It also includes college students who spend the school year in a different state, people who relocate on a seasonal basis for work, and a variety of other situations.

More than 14.5 million Americans enrolled in individual market coverage through the exchanges during the open enrollment period for 2022 coverage, and a few million have individual market coverage purchased outside the exchanges.

Although the Affordable Care Act added numerous federal regulations that apply to individual market coverage nationwide, plans are also regulated at the state level, and the plans that are for sale vary widely from one state to another.

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Does Your State Require Health Insurance? | eHealth

Category: Health Insurance

The individual mandate at the federal level no longer applies for 2019, but does your state require you to have coverage?

As of 2019, the Obamacare individual mandate – which requires you to have health insurance or pay a tax penalty –no longer applies at the federal level. However, five states and the District of Columbia have an individual mandate at the state level.

No matter which state you live in, eHealth can help make sure you have the health insurance coverage that you need. Check out and compare affordable health insurance plans in your state.

The health insurance marketplaces established by the Affordable Care Act (ACA) provide coverage to 11.41 million consumers, according to an April 2020 report from the Centers for Medicare & Medicaid Services (CMS).

Prior to 2020, if you went without Affordable Care Act (ACA) compliant health insurance for more than two consecutive months, you would pay a penalty. This requirement was commonly known as the “Obamacare individual mandate.” The purpose of the penalty was to encourage everyone to purchase health insurance if they weren’t covered through their employment or a government-sponsored program. According to Kaiser Health News, the federal ACA penalty for going without health insurance in 2018 was $695 per uninsured adult or 2.5% of your income, whichever amount was higher.

In response to concerns about the affordability of marketplace ACA plans, congress passed the Tax Cuts and Jobs Act (TCJA) at the end of 2017. The law reduced the individual penalty of the Obamacare individual mandate to zero dollars, starting in 2019. Now that the individual mandate tax penalty has been removed, there is not a tax penalty at the federal level.

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Does Your State Require You to Have Health Insurance? – Forbes Advisor

Category: Health Insurance

As of 2022, only five states (California, Massachusetts, Rhode Island, New Jersey and Vermont) and the District of Columbia require all eligible residents to declare annual proof of health insurance coverage on state taxes.

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Health Insurance and Your State of Residence

If you have an individual insurance policy, do you know if the policy requires you to live in the state considered your permanent residence?

If you have an individual insurance policy, do you know if the policy requires you to live in the state considered your permanent residence? This is critical if you have an HMO or Medicare Advantage product tied to a specific geographic area. Your policy may only cover urgent and emergency care outside your area. There are many other policies, however, that also have residency requirements and you should know if your policy has such a requirement. In addition, small business owners who have employees in more than one state should be aware of what both state and insurer residency requirements are for their small group policies. What are the risks of having insurance from a state where you don’t reside? You may not be eligible for the coverage and your claims may be denied. Who is most at risk for this type of problem? Those most at risk are people who have moved to another state and kept their individual policies, parents who have moved to be closer to adult children and affluent individuals who have multiple homes and haven’t aligned insurance with state of residence. Medicare Prescription Drug Coverage Part D Medicare Part D plans have a residency requirement. In fact, drug plans are required by federal regulations to automatically disenroll individuals they believe have moved outside the service area. We have a client whose Part D coverage was terminated when she was temporarily residing outside the service area but hadn’t changed her legal residence. The client was at risk for significant prescription costs not being covered or paid. The worst-case scenario is a Part D Plan issuing a termination letter where a covered individual either doesn’t receive it or doesn’t act upon it on a timely basis. This could result in no coverage until one enrolled in a new plan during the annual enrollment period. This is a very important issue as everyone on Medicare should have drug coverage. Author: Maura Carley, MPH, CIC, President and CEO, Healthcare Navigation, LLC. (From a MyBackOffice blog post)

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How Out-of-State Health Insurance Works

Category: Health Insurance Your Health Insurance

Does your health insurance cover you out of state? Here are five questions to ask about medical expenses while traveling, with information on multi-state insurance.

Mila Araujo is a certified personal lines insurance broker with more than 20 years of experience in the insurance industry. She currently serves as the director of personal insurance for Ogilvy Insurance where she works with some of the world's largest insurers and manages the needs of thousands of clients with the help of her broker team. As an insurance expert, has written about homeowners, auto, health, and life insurance for The Balance. Mila received the Bernard J. Finestone Award in General Insurance from McGill University in 2001.

Samantha Silberstein is a Certified Financial Planner, FINRA Series 7 and 63 licensed holder, State of California Life, Accident, and Health Insurance Licensed Agent, and CFA. She spends her days working with hundreds of employees from non-profit and higher education organizations on their personal financial plans.

If you're going on a trip soon, it's important to check if your health insurance covers you out of state. Depending on the type of health insurance plan, your benefits may be limited when you're out of state.

In many cases, health insurance restricts you to a network of healthcare providers. Learning the terms of your health insurance policy will tell you whether your plan includes providers out of state or not. Figuring that out on your own could be tricky. You do not want to end up getting denied for a health insurance claim. The first step is to call your insurer and ask.

Health insurance network providers are the medical service organizations. Your health plan has agreements with these groups to provide service to you. If your plan specifies a list of authorized network providers, then going "outside the network" could mean that have higher out-of-pocket costs. Your plan might also deny your claim, leaving you to pay the entire bill.

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Health Insurance Rates By State | Simply Insurance™

Category: Health Insurance

Find the best health insurance rates by state.

Zion Financial LLC. (DBA Simply Insurance™ in Georgia) "Simply Insurance™" is a licensed independent insurance broker and doesn't underwrite any insurance policy described on this website. The information provided on this site has been created by Simply Insurance™ for general, informational, and educational purposes. We do our best to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application submission and underwriting outcome.

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Your money, your life, and your family's financial future are all very important, and being able to make an insurance purchasing decision with true confidence plays a crucial role in helping you protect it all. As licensed insurance agents, we do this by taking a more informal approach to how we write and talk about insurance so that the everyday person can be empowered to grab their future by the horns.

So, how do we make money? As a licensed independent insurance agency, we get paid a commission or an advertising fee from the insurance companies we partner with if you get a quote, apply for coverage, or purchase an insurance policy. And guess what, the insurance commissions and advertising fees are already baked into the price of an insurance policy, so you’re not paying anything extra for using our site to get coverage.

But, to keep things "100," if you ever feel the need to know what commission we'd earn on any of our insurance products, just ask us. We'll be glad to tell you.

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Can You Have Health Insurance In Two Different States?

Category: Health Insurance

There are a lot of factors to consider when it comes to finding health insurance, such as your age, medical history and whether you have pre-existing conditions. But what about if you live in two different states? In this article, we'll explore the ins and outs of health insurance and whether or not you can

There are a lot of factors to consider when it comes to finding health insurance, such as your age, medical history and whether you have pre-existing conditions. But what about if you live in two different states? In this article, we’ll explore the ins and outs of health insurance and whether or not you can have it in both states.

If you’re looking for health insurance, you may be wondering what the differences are between health insurance in two different states. In this blog section, we’ll discuss the specific ins and outs of health insurance in each U.S. state, based on the location of your residence.

– Some types of health care are not covered by all types of health insurance policies. For example, dental care is not typically covered by standard employer-provided health insurance plans, but it may be covered by supplemental plans offered by some insurers. You’ll need to check with your insurer to see if this is the case for them.

– If you move to a new state, make sure to update your contact information with your new insurer so that they can contact you to get updated information on your coverage.

If you live in one state and have health insurance through your job, but you want to move to a new state for a new job, you may be able to keep your health insurance. However, if you are a resident of a different state, you may not be able to find health insurance there. In most cases, you will need to obtain health insurance through an exchange or through a government program.

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Affordable Health Insurance: Find Coverage by State | Affordable Health Insurance

Category: Health Insurance

Find affordable health insurance plans in your state.

Insurance plans and availability vary by state and zip code. All plans in the Health Insurance Marketplace must conform to Affordable Care Act (ACA) standards, but your choice in plans, how much you’ll pay, and how you sign up depends on where you live.

Your choice in health coverage depends on which insurers participate in your area. In 2021, just 46% of United States counties had three or more insurers to choose from, according to the Kaiser Family Foundation’s report on insurer participation on the ACA marketplaces.

State-based Marketplace Federally-facilitated Marketplace State-based Marketplace-Federal Platform CA, CO, CT, DC, ID, KY, MA, MD, ME, MN, NM, NV, NJ, NY, PA, RI, VT, WA AL, AK, AZ, DE, FL, GA, HI, IA, IL, IN, KS, LA, MI, MO, MS, MT, NE, NH, NC, ND, OH, OK, SC, SD, TN, TX, UT, WV, WI, WY AR, OR, VA

Your monthly premium will vary based on where you live. The U.S. marketplace average benchmark premium for affordable health insurance is $438 per month in 2022, but that figure varies by state. Residents of Wyoming can expect to pay the highest premiums at an average benchmark premium of $762 while New Hampshire’s is less than half that at $309.

The Health Insurance Marketplace divides plans into four tiers: Bronze, Silver, Gold, and Platinum plans. Plans fit into these tiers based on factors such as monthly premiums, copayment requirements, annual deductibles, and the overall level of your coverage.

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Health Insurance Premiums by State - Benzinga

Benzinga looks at health insurance premiums by state, explaining how these premiums change from one state to another

Health insurance premiums (your monthly cost for the health insurance plan you have) vary across the country depending on your situation. From the current cheapest healthcare premiums found in Georgia to the priciest premiums in West Virginia, what affects that price? Why is there such a difference from state to state in health insurance prices?

It’s obvious that location is a huge factor, but what determines the price of health insurance for individuals and families? Read on to learn everything you need to know about what you’ll pay for your insurance coverage based on your location.

Plenty of factors help to explain the disparity in the cost of health insurance over state lines, from average costs in the $400 range in states like Arkansas and Colorado all the way up to an average premium of $831 in West Virginia. Why is there such a huge difference in what you pay for your coverage, even if your friend in Vermont has the same health insurance plan and company as you do in South Carolina? Here are some things that affect the cost of health insurance premiums.

State and federal laws: This is the largest factor in determining how much you will pay for your healthcare premium. Federal and state laws dictate how much your employer is required to cover for its employees, meaning both monetary value in healthcare services and type of insurance, be that overall, dental or optical. State laws differ greatly in what they require of certain companies to provide for their employees.

Poverty: It’s notable that the second-poorest state in the country, West Virginia, has one of the highest premiums ($831) on this list. This is an example of how low-income individuals typically pay more for their premiums, paradoxically. However, this is sometimes mitigated by federal subsidies and programs like California’s Medi-Cal.

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Short-term health insurance availability in your state ...

Category: Health Insurance

Sep 09, 2021 · Key takeaways. Short-term health insurance offers a temporary safety net for millions who can't afford ACA-compliant plans. Short-term health insurance availability varies …

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Can I Use My Health Insurance Out Of State

Jul 01, 2022 · Just be sure you know what you are buying, and that its a good choice for you. For the right situation, short term insurance plans can definitely provide fast, flexible, temporary …

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Fall 2022 Health Insurance Buy-Out Program | Mass.gov

Category: Health Insurance

Sep 23, 2022 · General Information. Under the Buy-Out program, eligible state employees and state retirees receive 25% of the full-cost monthly premium in lieu of health insurance benefits …

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How To Apply For State Health Insurance

Dec 02, 2021 · Need long-term services and supports. You have several options to apply for or renew Classic Medicaid coverage: Online: Go to Washington Connection – select “Apply Now.”. …

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