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Health Insurance and Coverage

Health insurance and coverage is the system of public and private plans that help people pay for medical care. It includes government programs, employer plans, plans bought through the marketplaces, and accounts that set aside money for medical costs. Federal and state governments, insurers, employers, and individuals each have a role in who is covered and what is paid.

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October 19last updated

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All Articles on Health Insurance and Coverage

Conceptual painting of a family member and counselor reviewing an estate folder.
Centers for Medicare and Medicaid Services (CMS)

Understanding Medicaid Estate Recovery: What You Need to Know

Medicaid provides essential health coverage to millions of Americans with limited income and resources. For many older adults and individuals with disabilities, it serves…

By
GovFacts
39 Min Read
Conceptual watercolor painting of an older adult touring a modest long-term-care facility with family and staff.
Centers for Medicare and Medicaid Services (CMS)

Medicaid for Seniors: Understanding Nursing Home and Long-Term Care Coverage

Paying for long-term care is a significant concern for many older Americans and their families. While personal savings or private insurance can cover some…

By
GovFacts
46 Min Read
Conceptual painting of a wheelchair user reviewing a benefits folder with a counselor.
Centers for Medicare and Medicaid Services (CMS)

Medicaid for People with Disabilities: Eligibility and Services Explained

This guide explains how Medicaid works for people with disabilities in the United States, covering eligibility requirements, available services, and how to begin the…

By
GovFacts
34 Min Read
Painted illustration of a parent beginning a child health coverage application at a library.
Centers for Medicare and Medicaid Services (CMS)

Applying for the Children’s Health Insurance Program (CHIP): A Guide for Families

Finding affordable health insurance for children is a top priority for many families. The Children's Health Insurance Program (CHIP) is a government program designed…

By
GovFacts
25 Min Read
A parent and benefits navigator review income records for child coverage.
Centers for Medicare and Medicaid Services (CMS)

CHIP Eligibility: A Guide to Income Rules for Families

The Children's Health Insurance Program (CHIP) provides low-cost health coverage for children in families with incomes too high for Medicaid but not enough to…

By
GovFacts
37 Min Read
A parent and child speak with a clinician after a checkup.
Centers for Medicare and Medicaid Services (CMS)

What is CHIP? Your Guide to Low-Cost Health Insurance for Children

The Children's Health Insurance Program (CHIP) provides free or low-cost health insurance for eligible children and, in some states, pregnant women. CHIP serves as…

By
GovFacts
20 Min Read
An adult searches for a participating doctor or dentist by phone and laptop.
Centers for Medicare and Medicaid Services (CMS)

Finding Doctors and Dentists Who Accept Medicaid: Your Step-by-Step Guide

Navigating the healthcare system can be challenging, and finding doctors or dentists who accept Medicaid coverage might seem difficult. This guide provides clear steps,…

By
GovFacts
26 Min Read
Painted illustration of a clinic receptionist speaks with a patient across a desk holding a blank intake form, conveying access to covered care without depicting specific eligibility or guaranteed services.
Medicare and Medicaid

Your Guide to Medicaid Services: What’s Typically Covered?

Medicaid serves as the largest source of funding for medical and health-related services for America's lower-income populations. It accounts for nearly one dollar out…

By
GovFacts
37 Min Read
Conceptual painting of an adult patient asking a clinic counselor about state dental coverage.
Centers for Medicare and Medicaid Services (CMS)

Does Medicaid Cover Adult Dental Care? A State-by-State Guide

For kids under 21, the answer is straightforward: yes. Federal law requires all state Medicaid programs to provide comprehensive dental services through the Early…

By
GovFacts
56 Min Read
Painted illustration of an expectant parent speaking with a clinic coverage navigator.
Centers for Medicare and Medicaid Services (CMS)

Medicaid Coverage During Pregnancy: Benefits for Mothers and Babies

Learn who qualifies for pregnancy Medicaid and CHIP in 2026, what prenatal and newborn care is covered free, and how 12-month postpartum coverage works.

By
GovFacts
27 Min Read