Coverage is just steps away

You could still qualify for health insurance in 2014!  Get your questions answered below and share your coverage story with Out2Enroll.

Choose your state and we'll tell you the next steps

If you live in , you can learn about your new coverage options at your marketplace, which is called . You can explore the new plans that are available, learn whether you qualify for financial assistance, and enroll in coverage.

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Get Prepared

Health insurance can seem complicated, so you won’t be alone if you want to learn more about important concepts such as premiums, deductibles, copayments, and other information about insurance terminology and how coverage works. You can also check out the different types of health care coverage that will be available so that you can select what type of coverage works best for you.

When you are ready to apply for coverage, you’ll need to provide some information about yourself and your household, including income and any insurance you currently have. Here’s a checklist that can help you gather the information you need. You’ll also want to set up an account with your Marketplace.

Fill out the application

You can do this online, over the phone, or in-person. No matter which state you live in, there will be a single, streamlined application for you to fill out to apply for financial assistance, see if you or members of your family qualify for Medicaid or the Children’s Health Insurance Program (CHIP), and enroll in the plan of your choice. You can access this application through the new Marketplace in your state.

Need help with the application? No problem! We know that filling out forms can be tedious – that’s why we’ve created a guide to the application. The guide helps walk you through the application process and answers some of the questions we know you’ll have when filling in your responses. (The guide is for a type of application called the “short-form” application – stay tuned for a similar resource for the “long-form” application!) And for helpful answers to questions about what to count as your income, check out this fact sheet.

You can also check out healthcare.gov, call the National Help Center at 1-800-318-2596 (available 24/7), chat online, or contact your state’s Marketplace.

And you can get in-person assistance from organizations you know and trust. These organizations are called “navigators,” “assisters,” and “certified application counselors,” and they’re trained and ready to help you understand your options and find out how to enroll in a plan. To connect with one of these organizations in your area, check out this tool.

All of these organizations are prohibited from discriminating against the LGBT community, and we’ll be out soon with a list of those that you might already know based on their work on LGBT issues. Stay tuned!

Compare your options

You’ll be able to see all of your options through the Marketplace, including private health insurance coverage and possibly free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP). You’ll learn whether you and others in your family qualify for financial assistance, such as tax credits and cost-sharing reductions. And you’ll be able to compare the different options based on costs and benefits to help choose a plan that’s right for you.

Enroll

Congratulations – you’re almost there! Now that you’ve chosen the plan you want, you can enroll online and decide how you would like to pay your premiums to the insurance company. If you’re eligible for Medicaid or the Children’s Health Insurance Program (CHIP), a representative will contact you to help you enroll.

The deadline to enroll in private coverage was March 31, 2014 – if you didn’t sign up, you may have to wait until November 15, 2014 to sign up for coverage that begins on January 1, 2015. BUT you may be able to enroll before November 15 if you face certain circumstances that mean you are eligible for a “special” enrollment opportunity – find out more here!

And, of course, if you are eligible for Medicaid, you can enroll at any time during the year.