If you do not have coverage through an employer or other source, you can buy your own health insurance through the Affordable Care Act or ACA. Depending on where you live you may be eligible for Medicaid under expanded programs. Click here for more information about health coverage options in your state.
Open enrollment to buy or switch health insurance plans for 2020 under the ACA closed on December 18, 2019 in most states. Some states have later deadlines. Use the tool below to find out about your state. Financial assistance may be available depending on your income.
Individuals purchasing coverage through the marketplace cannot be denied or charged more for coverage because of a pre-existing condition, including HIV. Marketplace plans also are required to provide a minimum set of “Essential Health Benefits,” including prescription drugs, doctors visits, hospital care, mental health care and certain preventative services. Health plans sold outside of the Marketplace may not offer the same protections or comprehensive benefits.
People with certain life changes may be able to enroll or change plans at other times of the year. If you qualify for Medicaid or the Children's Health Insurance Plan (CHIP) you can enroll at any time.
To find out more about health insurance options in your state, including buying or changing plans through the ACA, use the tool below.