Insurance Choices

The Affordable Care Act gives you a variety of alternatives to the individual private insurance market.  If you need health insurance, these programs may be available to you.

Pre-Existing Condition Insurance Plan (PCIP)

If you have been rejected for insurance due to a health condition or disability, you may be eligible for coverage through the Pre-Existing Condition Insurance Plan.

Young Adult Coverage

If you are under 26, you may be eligible for health insurance coverage under your parent’s plan.

Affordable Insurance Exchanges

Starting in 2014, you will be able to shop for insurance and compare health plans in new state-based Affordable Insurance Exchanges.

CO-OP Insurance Plans

Starting in 2014, you or your small business may be able to buy insurance from a new type of non-profit, consumer-run health insurer, called a Consumer Operated and Oriented Plan (CO-OP).

If you have questions about getting insurance, visit the Get Help Using Insurance section. Get help now by visiting the Consumer Assistance Program page. Other health care and coverage options may be available to you if you need free or low-cost care. Use our interactive FAQ tool at answers.healthcare.gov to find answers to your questions about health care and insurance.