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What healthcare coverage am I eligible for?

November 23, 2020

If you don’t get health insurance through your employer, you may qualify for one of the following health insurance programs:

You are eligible for Medicaid if you:

  • Are under 65 years old
  • Receive less than $17,618 as your annual income for a household of 1, and so on; check your income eligibility here
  • Are a permanent resident of the United States for at least 5 years

You can get on Medicaid at any time — there is no deadline; you are eligible for financial assistance if you:

  • Can’t be offered coverage from your employer
  • Can’t be enrolled in Medicare or Medicaid

You are eligible for Marketplace — also known as Obamacare — if you:

  • Receive below a certain annual income level; it’s different for each individual situation, so click here to use Pennie’s tool to see if you qualify.

The open enrollment period for marketplace insurance began November 1st, 2020, and will end January 15th, 2021. If you want your health insurance plan to go into effect on January 1st, 2021, you must enroll by December 15th, 2020. If you do enroll after that, your plan will go into effect in February 2021.

You are eligible for MAWD (Medical Assistance for Workers with disabilities) if you:

Your child is eligible for CHIP (Children’s Health Insurance Program) if they are:

You are eligible for Medicare if you are:

  • 65 years of age or older
  • A US citizen or permanent resident who has lived in the US for at least 5 years

Those under 65 years of age may also be eligible for Medicare. If you have a permanent disability and have received disability benefits from Social Security or the Railroad Retirement Board for at least 2 years, you may be eligible for Medicare. If you’ve been diagnosed with Lou Gehrig’s disease (amyotrophic lateral sclerosis, or ALS), or if you have permanent kidney failure that requires dialysis or a kidney transplant, you may also be eligible for Medicare.

Find out how to apply for coverage here.