Find Your State to find out about insurance near you

Individuals who do not have health insurance from an employer or government program can get covered under the Affordable Care Act, or ACA. You can buy and compare health care plans online, over the phone, or in person in every state.

Use the tool above to find out about options in your state.

Generally, you can only sign up, or change, health plans under the ACA during an annual open enrollment period.

For 2018, the open enrollment period was November 1 thru December 15, 2017. A number of states have extended their 2018 enrollment period. Click here to find out more. (If you or a someone in your family experiences certain qualifying life events there may be allowances.)

With limited exceptions, all legal residents of the United States are required to have health insurance. If you don’t have health insurance, such as through your employer, or a government program (such as Medicaid or Medicare), you will need to purchase coverage or pay a penalty. Even if you receive services from the Ryan White HIV/AIDS Program or the AIDS Drug Assistance Program (ADAP), you will most likely still need to have health insurance.

You cannot be denied or charged more because you have HIV, or any other pre-existing condition. Financial assistance may be available if you need help.

Arizona

Health Insurance Marketplace

Name: Arizona uses the Federally-Facilitated Marketplace
Website: https://www.healthcare.gov/
Helpline: 1-800-318-2596
TTY: 1-855-889-4325

Health insurance marketplaces are new programs set up in each state to make it easier to buy coverage on your own, especially if you don’t have another source of insurance, such as through an employer, Medicaid or Medicare. You cannot be denied coverage or be charged more because of a pre-existing health condition, including HIV. Financial assistance may be available to pay for your monthly premiums and out-of-pocket costs.

To see if you may be eligible for financial assistance in the marketplace, click here to use the Kaiser Family Foundation subsidy calculator.

All plans sold through the marketplace must provide a minimum set of benefits – called Essential Health Benefits (EHB). These include benefits that may be helpful to your ongoing HIV care, like prescription drugs, doctor visits, hospital care, mental health care and certain preventive services.

For coverage you must apply during the open enrollment period. You must pay your initial premium to be covered.

Medicaid

Name: Arizona Medicaid
Website: http://www.azahcccs.gov/
Helpline In-State: 1-800-654-8713 (Outside Maricopa County)
Helpline Out-of-State: 1-800-523-0231

Medicaid is the nation’s health insurance program for people with lower incomes who are U.S. citizens or legal residents for at least five years. Your state has expanded Medicaid to cover more people. If you earn about $16,643 a year or less as a single person (or $22,411 or less as a couple), you likely can get coverage under the program.

You no longer need to be disabled (including through an AIDS diagnosis), pregnant, or fall into another category to qualify for Medicaid. In your state, you can qualify based on being low income and meeting residency requirements.

If you already have Medicaid, it is likely that nothing will change, and you will continue to receive all the same benefits.

Medicare

Website: http://www.medicare.gov/
Helpline: 1-800-633-4227

Medicare is the federal health insurance program for seniors and younger people with disabilities.

To be eligible, you must also be a U.S. citizen or legal resident for at least five years. If you have Medicare, you do not need to do anything and may see some added benefits as a result of the Affordable Care Act. You can continue to rely on Medicare to help pay your hospital, physician and other medical expenses.

Medicare’s open enrollment period for existing policyholders (October 15-December 7) hasn’t changed. If you will soon become newly eligible for Medicare because of age, you can sign up during a seven-month period that starts three months before the month you turn 65 and ends three months afterwards. If you are under 65 and disabled, you can sign up for Medicare during the seven-month period that starts three months before your 25th month of getting benefits and ends three months after your 25th month of getting benefits.

Ryan White and the AIDS Drug Assistance Program

Ryan White Part B Resources
Website: http://azdhs.gov/phs/hiv/
Phone: 1-602-364-3628

ADAP Program
Website: http://azdhs.gov/phs/hiv/adap/
Phone: 1-602-364-3628 or 1-800-334-1540

The Ryan White HIV/AIDS Program, which includes the AIDS Drug Assistance Program (ADAP), is a program that provides financial assistance for healthcare services for people living with HIV.

Ryan White and ADAP have two missions. They help people with HIV who cannot get affordable health insurance pay for healthcare services. They also help boost the coverage available to people with HIV through their existing insurance–whether private, job-related, Medicaid or Medicare — by covering additional services or assisting with copays and cost sharing. Under the Affordable Care Act, there are new options for people with HIV to obtain insurance coverage that they have not had before, including purchasing coverage in the health insurance marketplace and expanded Medicaid.

Ryan White and ADAP will continue to be available, but some of the services these programs once covered may be replaced by your insurance. If you are currently receiving support for your HIV care and treatment from the Ryan White HIV/AIDS Program or the AIDS Drug Assistance Program (ADAP), you still need to get health insurance. If Ryan White or ADAP assist you with copays to help make your coverage affordable or even purchase your insurance coverage for you, they may be able to continue to help you in this way. Check with your Ryan White or ADAP program, as you may need to obtain new coverage through one of the Affordable Care Act’s new options.

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