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Choosing a Health Insurance Plan

One of the goals of the Affordable Care Act (ACA) is to make affordable health insurance available to as many people as possible. This helps people stay healthy, and it evenly spreads health care coverage costs. Under the ACA:

  • No one can be turned down because of an existing illness.
  • Dependents can stay on their parents’ insurance until they turn 26.
  • Many people are eligible for financial assistance.
  • All plans sold on the federal Health Insurance Marketplace must include essential health benefits, such as hospitalization, maternity and newborn care, mental health services, and much more.

Federal Health Insurance Marketplace

The federal Health Insurance Marketplace is like an open-air market. It’s designed to allow you to compare services and choose the one you think is best.

The Marketplace is open once again, and you can use it shop for health insurance products for 2020.

Here are some key dates to remember:

  • November 1, 2019 – First day to buy for coverage for 2020
  • December 15, 2019 – Last day to buy for coverage for 2020
  • January 1, 2020 – 2020 coverage begins

If you need health insurance outside of Open Enrollment, you must have a qualifying life event. To determine if you are eligible to purchase coverage, visit the UPMC Health Plan shopping site. If you qualify for coverage, you will receive personalized plan options and find out how likely you are to qualify for a tax credit. You can then select the plan that will meet your needs.