Finding the Right Health Coverage For You

Private coverage through your job, your spouse's job, or your parent's job. The employer pays part or all of the monthly premium.

Private coverage you buy from an insurance company or through Healthcare.gov.

Private coverage through Healthcare.gov, which the government may help you pay for.

Public coverage with a small premium, for people with low income.

Your income is abovebelow the limit: x for a household of y.

Free public coverage for people with low income.

Your income is abovebelow the limit: x for a household of y.

Free public coverage, for people with disabilities with low income and low assets.

Public coverage for people 65 and over, or on Social Security Disability Insurance (SSDI) or Childhood Disability Benefits (CDB).

Two public coverage options for people with disabilities:

• Disability-based MO HealthNet is for people with low income and low assets
• MO HealthNet's Ticket to Work Health Assurance program is for people who work and have higher income or higher assets

Use the to figure out which is best for you.

Free public coverage for low-income children and pregnant women.

Your income is abovebelow the limit: x for a household of y.

Public coverage with a premium, for employed people with disabilities with low to moderate income.

Free public coverage for people who get Supplemental Security Income (SSI) benefits. Some people with disabilities with low income and low resources who don't get SSI may qualify.

Public coverage for low-income children.

Your income is abovebelow the limit: x for a household of y.

Two public coverage options for people with disabilities:

• Disability-based MO HealthNet is for people who have low income
• MO HealthNet's Ticket to Work Health Assurance program is for people who work and have higher income

Read the How Health Benefits Work article to figure out which is best for you.

Private coverage through Healthcare.gov, which the government may help you pay for.

Private coverage you buy from an insurance company or through Healthcare.gov.

Employer-sponsored coverage is private health insurance you get through your job or a family member’s job. Many employers choose to offer it as a benefit for employees who meet certain requirements, such as working a minimum number of hours each week. Employees who get this benefit often have to pay part of the monthly premium to get coverage for themselves and their family members.

Learn more about employer-sponsored coverage.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. You can get your individual coverage directly from an insurance company, through an insurance broker, or on Healthcare.gov.

Learn more about individual coverage.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. Depending on your household income and situation, you may qualify to get government help paying for your insurance, if you sign up using Healthcare.gov.

Learn more about individual coverage.

MinnesotaCare is a public program that provides coverage for people with income that is too high to qualify for MO HealthNet, but too low to afford private insurance through Healthcare.gov. On MinnesotaCare, you have to pay a small premium for your coverage. You may qualify for MinnesotaCare if your family’s income is at or below 200% of FPG (x for a household of y) and you don't qualify for MO HealthNet.

Learn more about MinnesotaCare.

MO HealthNet is a public health coverage program for people with low income. There are different ways of qualifying; income-based MO HealthNet is for people with household income that's 138% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). There's no monthly premium for coverage.

Learn more about income-based MO HealthNet.

Medicare is a public health coverage program for seniors (65 years old or older) and people with disabilities. To qualify for Medicare, you or a family member must have worked and paid Medicare taxes for a certain number of years. Medicare has a monthly premium and other expenses, but if you have limited income, some programs may help you pay these expenses.

Learn more about Medicare.

MO HealthNet and MO HealthNet's Ticket to Work Health Assurance program are two ways for people with disabilities to get public health coverage. The asks for detailed information about your situation to see which is best for you. If you might qualify for MO HealthNet's Ticket to Work Health Assurance program, it will also tell you what your monthly premium would be.

To learn more, use the .

MO HealthNet for Kids is a public health coverage program for children with low income. Children may qualify for free coverage if their household income is 150% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). They can pay a monthly premium for coverage if household income is between 150% of FPG and 300% of FPG (x for a household of y).

Learn more about MO HealthNet for Kids.

MO HealthNet is a public health coverage program for people with disabilities who have low income and low resources. MO HealthNet's Ticket to Work Health Assurance program is a way working people with disabilities can have MO HealthNet coverage, even if they earn more than the regular MO HealthNet income limits. To qualify, your disability must meet standards set by the Social Security Administration and you must have low resources. You may have to pay a monthly premium for coverage, depending on your income.

Learn more about MO HealthNet's Ticket to Work Health Assurance program.

MO HealthNet is a public program that helps pay medical expenses for people with disabilities and seniors who have low income and low resources. With MO HealthNet, you do not have to pay a premium to get coverage. To qualify for disability-based MO HealthNet, you must have been determined disabled by the Social Security Administration or a Medical Review Team. If you are 65 or older, you may also qualify without a disability.

Learn more about disability-based MO HealthNet.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. You can get your individual coverage directly from an insurance company, through an insurance broker, or on Healthcare.gov.

Learn more about individual coverage.

Employer-sponsored coverage is private health insurance you get through your job or a family member’s job, if the employer offers it. Employees who get this benefit often have to pay part of the monthly premium to get coverage for themselves and their family members.

Individual coverage is private health insurance you buy on your own for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because of a health condition. You can get individual coverage directly from an insurance company, through a broker, or on Healthcare.gov.

Individual coverage is private health insurance you buy on your own for yourself or your entire family. Insurance companies cannot reject your application or charge you more because of a health condition. Depending on your income and situation, you may qualify for help paying for coverage on Healthcare.gov.

MinnesotaCare is a public health coverage program for people whose income is too high for MO HealthNet, but too low to afford private insurance. With MinnesotaCare, you pay a small monthly premium. You may qualify if your family’s income is at or below 200% of FPG (x for a household of y) and you don't qualify for MO HealthNet.

MO HealthNet is a public health coverage program for people with low income. There are different ways of qualifying; income-based MO HealthNet is for people with household income that's 138% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). There's no monthly premium for coverage.

Medicare is a public health coverage program for seniors (65 years old or older) and people with disabilities. To qualify, you or a family member must have worked and paid Medicare taxes for a certain number of years. Medicare has a monthly premium and other expenses, but if you have limited income, some programs may help you pay these expenses.

MO HealthNet and MO HealthNet's Ticket to Work Health Assurance program are two ways for people with disabilities to get public health coverage. The asks for detailed information about your situation to see which is best for you. If you might qualify for MO HealthNet's Ticket to Work Health Assurance program, it will also tell you what your monthly premium would be.