Looking for health insurance for 2018 through HealthCare.gov? We’ve got you covered! Out2Enroll reviewed more than 548 silver marketplace plan options in 18 states and found that 1) the vast majority of insurers removed transgender-specific exclusions from their 2018 marketplace plans and 2) 28 percent of plans had language indicating that all or some medically necessary transition-related care would be covered by the plan. Despite this progress, some plans still had exclusions that limit access to transition-related care.
(If you’re looking for information on health insurance for 2019, stay tuned – we’re working on it!)
To help you understand your options, we’ve created new state-specific Transgender Health Insurance Guides and encourage you to make an appointment with an LGBT-friendly expert who can help you enroll for free. Don’t forget that most people can find health insurance for under $75/month so check out your options here and head to HealthCare.gov to see if you qualify for savings!
Guides and comprehensive plan information are currently available for:
If you don’t see your state or have questions or concerns about this information, please email info@Out2Enroll.org. If your coverage is denied, appeal with your health insurer – visit http://bit.ly/2hGFuWn. If you face discrimination by an insurer or health provider, file a complaint with your state insurance department or contact a legal organization at http://bit.ly/2hHkLxi.
DISCLAIMER: The information in each Transgender Health Insurance Guide only applies to transgender exclusions. These ratings were compiled by Out2Enroll through a review of silver marketplace plans only. We believe that this information will be the same for bronze, gold, and platinum plans but encourage you to check your plan options to confirm. Out2Enroll did not contact insurance companies to verify this information. In addition, plans may have other exclusions (such as cosmetic exclusions) that may impact your coverage so you should carefully review each plan to ensure it meets your needs. Not all insurers offer coverage in all areas of the state so carefully review the options in your area.