how to get insurance in usa

Finding Health Insurance

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

On This Page

Affordable Care Act

Learn about the Affordable Care Act and find out how to apply through the Health Insurance Marketplace at HealthCare.gov.

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.Open All +

  • What Is the Affordable Care Act? 
  • When to Enroll
  • How to Enroll and Get Answers to Your Questions
  • Using Your Coverage
  • Small Businesses

Health Insurance Plans

Health insurance helps you pay for medical services and sometimes prescription drugs. You and your insurer each agree to pay a certain dollar amount or percentage of your medical expenses.Open All +

  • How to Get Health Coverage
  • Types of Health Insurance Plans
  • Choosing a Health Insurance Plan

Long-Term Care

Find useful information on long-term care services. Get answers to common questions and learn how to complain about long-term care.

Learn About Long-Term Care (LTC)

Long-term care (LTC) is a variety of services that include medical and non-medical care for people who have chronic illnesses or disabilities.
If you are thinking about long-term care needs for yourself or your loved one, these resources can help:

Long-Term Care Insurance

Most health insurance plans and Medicare severely limit or exclude long-term care. If you want coverage, you may need a separate long-term care insurance policy. These questions can help you evaluate long-term care insurance policies.

What health condition qualifies you for benefits? 

You must be unable to independently perform some basic daily living tasks. These may include eating, walking, getting from the bed to a chair, dressing, bathing, or using a toilet.

What type of care is covered? 

Does the policy cover nursing home care? Will it cover assisted living facilities that provide less care than a nursing home? If you want to stay in your home, will it pay for visiting nurses and therapists? What about help with food preparation and housecleaning?

What is the dollar limit on benefits? 

Most plans provide a specific dollar benefit per day. The benefit for home care is usually about half the nursing home benefit. But some policies pay the same for both forms of care. Other plans pay only for your actual expenses.

What is the benefits period? 

You can get a policy with lifetime benefits but this will cost more. Other options for coverage are from one to six years. The average nursing home stay is about 2.5 years.

Is the benefit adjusted for inflation? 

If you buy a policy before age 60, the fixed daily benefit may not be enough by the time you need it.

Do benefits begin right away? 

A 20 to 100 day waiting period is not unusual.

Complaints about Long-Term Care

If you feel you are in danger, call 911 or contact your local authorities.
To complain about a long-term-care facility, contact your state’s long-term care ombudsman or local elder abuse resources.

Health Insurance and Health Resources for People with Disabilities

Find information about health insurance and resources for people with disabilities.

Health Coverage for People With Disabilities

If you have a disability, you have three options for health coverage through the government. 

Health Resources for People With Disabilities

Federal, state, and local government agencies and programs can help with your health needs if you have a disability. 

Visit USA.gov’s Government Benefits page to learn more about government programs and services that can help you and your family

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