Health Insurance

The U.S. health insurance system includes a variety of public and private options tailored to different needs. Public programs like Medicare, Medicaid, and the Children’s Health Insurance Program (CHIP) provide coverage for seniors, low-income families, and children. The Affordable Care Act (ACA) expanded access by creating the Health Insurance Marketplace, where individuals and families can compare and buy plans that fit their budget and health needs.

Using the Health Insurance Marketplace

The Marketplace helps consumers find and enroll in ACA-compliant plans. Understanding enrollment options and following step-by-step application guides can simplify the process. Local navigators and brokers offer free help to compare plans and enroll.

Choosing and Managing Coverage

Marketplace plans come in four tiers—Bronze, Silver, Gold, and Platinum—offering varying levels of coverage and cost. Learning how to select the right plan and understanding the impact of income changes on subsidies can help you maintain affordable coverage. If you experience qualifying life events, special enrollment periods allow you to update your plan. You can also learn about changing or canceling coverage if your needs change.

Additional Government Programs

For families, CHIP offers free or low-cost health insurance for children. Military personnel and their families can access TRICARE, with guidance available on copays, deductibles, and caps. To explore all federal health and family support programs, visit government benefits for families and the HHS programs overview.