If you don't have health insurance right now, it might be for a number of reasons. Maybe you were concerned about the cost of coverage. Or, you thought you didn't need health insurance or didn't know your options.
The good news is that you have a chance to enroll again starting November 15, 2014 for 2015 coverage. (You may even qualify now for special enrollment.) Although you still have to pay a penalty for not being covered in 2014, enrolling for 2015 coverage means you will avoid paying another penalty, which will increase next year. To help you prepare, learn about the advantages of enrolling in a new health plan.
You may qualify for financial assistance to help you pay for your insurance. Whether you qualify will depend on your income, family size and the health insurance plan you choose.
You may also qualify for cost-sharing assistance. This will help lower out-of-pocket expenses like deductibles and co-payments.
All new health insurance plans now include what the government calls "essential health benefits." These benefits cover emergency services, hospitalization, prescription drugs and more.
Your new health plan will also cover the full cost of many preventive services, such as:
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