Individual and family health plans for life’s changes

Your application for a comprehensive health plan can’t be rejected due to a preexisting condition.

If you apply for a short-term or fixed health plan, your provider can ask questions about your health. That may prevent your application’s approval.

The government has 5 categories of health insurance plans. The difference between each plan level, also called a medal level, is in how the plan splits the cost of care between you and your provider.

• Bronze: Your plan typically pays 60% of health care costs and you pay 40%.
• Silver: Your plan typically pays 70% of health care costs and you pay 30%.
• Gold: Your plan typically pays 80% of health care costs and you pay 20%.
• Platinum: Your plan typically pays 90% of health care costs and you pay 10%.
• Catastrophic: Your plan pays less than 60% of health care costs. This type of plan is only available to people ages 30 and under or those who qualify for an exemption. It only covers essential health benefits like emergency care.

Generally, but not in all situations. Medicare is the basic health insurance coverage for adults age 65 and over. ACA plans are for persons under the age of 65.
To help you understand your health insurance options and make the right choice for you and your family, consult with a health insurance professional.

As a veteran, you may be eligible for TRICARE, VA health care, an employer-sponsored health plan and health plans from private insurers or the health insurance marketplace.
If you’re able to use the VA health care system, you aren’t eligible for health insurance subsidies.