Finding the Right Health Coverage For You

The interactive tool below shows the main types of health coverage available today. Answer these questions and it will highlight the options that might be best for you.

Your family's annual total income:

Your family size:

How much do you have in resources?

Does anyone in your family have a job that offers health coverage?

Any children in the family?

Is anyone in your family on Medicare now?

Does anyone in your family have a disability determination?

Is anyone in your family 65 or older?

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SEE MY OPTIONS

Your Family's Options

Employment

Employer-Sponsored Coverage

Income

Individual Coverage

Individual Coverage, No Subsidy

MO Health-
Net for Kids

Disability/Income

Ticket to Work Health Assurance

Disability-Based MO HealthNet or Ticket to Work Health Assurance

Disability-Based MO HealthNet

Age/Disability

Medicare

Private Group Coverage

Private Individual Coverage

Public Coverage

Note: Your options are highlighted based on your answers to these questions. Depending on the details of your personal situation, you may not qualify for all of the options shown. Keep reading to learn more about your options.

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Learn More About Your Options

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 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.

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.

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

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

Free public coverage, for people with disabilities with low income; people on SSI qualify automatically.

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

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

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 with low income and low assets; people who get APA qualify automatically
The MO HealthNet's Ticket to Work Health Assurance program is for people who work and have higher income or higher assets

Free public coverage for people with disabilities with low income and low assets; people who get APA qualify automatically.

Two public coverage options for people with disabilities:

Disability-based MO HealthNet is for people who have low income; people who get SSI qualify automatically
MO HealthNet's Ticket to Work Health Assurance program is for people who work and have higher income

Use the to figure out which is best for you.

Free public coverage for low-income children.

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

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.

Two public coverage options for people with disabilities:

Disability-based MO HealthNet is for people who have low income; people who get SSI qualify automatically
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.

Public coverage for low-income children.

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

The Kentucky Children's Health Insurance Program (KCHIP) is public coverage for children.

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

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.

Two ways people with disabilities might qualify for Medicaid, even with income that's too high for SSI:

SSI 1619(b) Medicaid is for people who used to get SSI, but stopped getting it because they started working.
Home and Community Based Services (HCBS) Waivers help people who need Medicaid and other services to be able to live in the community.

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.

Your income is abovebelow 100% of FPG (x for a household of y).

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

You have to pay the full premium if your income is below 100% of FPG (x for a household of y).

Public coverage with a premium, for employed people with disabilities.

Public coverage for children and pregnant women.

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

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 program that helps pay medical expenses for people with low income. Children and pregnant women do not have to pay a premium to get MO HealthNet. How you may qualify depends on your family’s situation. Children and pregnant women may be able to get MO HealthNet coverage if your family’s income is at or under 280% of FPG (x for a household of y).

Learn more about MO HealthNet.

Learn more about income-based MO HealthNet.

MO HealthNet is a public program that helps pay medical expenses for people with low income. MO HealthNet's Ticket to Work Health Assurance program is way for working people with a disability to earn more money, build more resources, and keep their MO HealthNet coverage. On Ticket to Work Health Assurance, you have to pay a premium for your coverage. To qualify for Ticket to Work Health Assurance, you must be working, a Missouri resident and certified disabled according to the Social Security Administration or the State Medical Review Team (SMRT). You must also be paying Medicare and Social Security taxes, and earning more than per month.

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 low income. On MO HealthNet, you do not have to pay a premium to get coverage. How you may qualify depends on your family’s situation. To qualify for disability-based MO HealthNet, you must have been determined disabled by the Social Security Administration or the State Medical Review Team (SMRT). If you are 65 or older, you may also qualify without a disability. This is not the only way that a person with a disability can qualify for MO HealthNet, but this way of qualifying may help you get more services, and allow you to make more money than the standard MO HealthNet income limit.

Learn more about disability-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 is a public program that helps pay medical expenses for people with low income. MO HealthNet's Ticket to Work Health Assurance program is way for working people with a disability to earn more and keep their MO HealthNet's Ticket to Work Health Assurance program coverage. On MO HealthNet's Ticket to Work Health Assurance program, you have to pay a premium for your coverage. To qualify for MO HealthNet's Ticket to Work Health Assurance program, you must be working, a Missouri resident, and certified disabled according to Social Security Administration rules.

MO HealthNet is a public program that helps pay medical expenses for people with low income. On MO HealthNet, you do not have to pay a premium to get coverage. How you may qualify depends on your family’s situation. To qualify for disability-based MO HealthNet, you must be determined disabled according to Social Security Administration rules or be 65 or older. This is not the only way that a person with a disability can qualify for MO HealthNet, but this way of qualifying may help you get more services, and allow you to make more money than the standard MO HealthNet income limit.

MO HealthNet and Medical Assistance for Employed Persons with Disabilities (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 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 is a public health coverage program for people with low income. There are different ways of qualifying; children and pregnant women may qualify if their household income is 208% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). Income-based MO HealthNet for children is also called Denali KidCare (DKC). There’s no monthly premium for coverage.

Learn more about income-based MO HealthNet/Denali KidCare.

MO HealthNet is a public health coverage program for people with low income. The MO HealthNet's Ticket to Work Health Assurance program 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 have to pay a monthly premium for coverage, with the amount based on your income.

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

MO HealthNet is a public health coverage program for people with low income. There are different ways of qualifying; for APA-related MO HealthNet, you must have low resources and also either have a disability that meets standards set by the Social Security Administration or be 65 or older. If you get Adult Public Assistance (APA) benefits, you automatically qualify for APA-related MO HealthNet. There’s no monthly premium for coverage.

Learn more about APA-related 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. Note: Income-based MO HealthNet is sometimes called MAGI-Category MO HealthNet, Adult MO HealthNet, or MO HealthNet Expansion.

Learn more about income-based MO HealthNet.

MO HealthNet MO HealthNet for Kids is a public program that helps pay medical expenses for children 18 years old or younger in families with low income. There may be a premium for MO HealthNet for Kids coverage. A child may qualify if a family's annual income is 205% of FPG or less (x for a household of y).

MO HealthNet is a public health coverage program for people with low income. There are different ways of qualifying; children may qualify for free coverage if their household income is 200% 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 200% of FPG and 355% of FPG (x for a household of y). Income-based MO HealthNet for children is also called NJ FamilyCare.

Learn more about income-based MO HealthNet/NJ FamilyCare.

MO HealthNet is a public health coverage program for people with low income. 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 health coverage program for people with low income. There are different ways of qualifying; for disability-based MO HealthNet, you must have low resources and also either have a disability that meets standards set by the Social Security Administration or be 65 or older. If you get Supplemental Security Income (SSI) benefits, you automatically qualify for disability-based MO HealthNet. There’s no monthly premium for coverage.

Learn more about disability-based MO HealthNet.

The Kentucky Children's Health Insurance Program (KCHIP) is a public health coverage program for children with low income. There are different ways of qualifying; children who are 18 or younger may qualify for coverage if their household income is 218% of the Federal Poverty Guidelines (FPG) or less (x for a household of y).

Learn more about KCHIP.

MO HealthNet is a public health coverage program for people with low income. If you get Supplemental Security Income (SSI) benefits, you automatically qualify for MO HealthNet. If you have a disability (or are 65 or older) and your income and resources are low enough for SSI, you should apply for SSI and if you are approved, you'll get MO HealthNet automatically. Some people with very low income and resources qualify for disability-based MO HealthNet even if they don't get SSI.

Learn more about MO HealthNet options for people with disabilities.

MO HealthNet is a public health coverage program for people with low income. If you used to get Supplemental Security Income (SSI) benefits and stopped getting them because you started working, SSI rule 1619(b) says that you can keep getting MO HealthNet as long as your total earnings are $44,320 or less per year. You also must continue to have a disability, still have resources below $2,000 ($3,000 for couples), and meet all other SSI program rules.

Learn more about MO HealthNet options for people with disabilities.

MO HealthNet is a public health coverage program for people with low income. People with disabilities who need extra services to be able to live in the community, instead of in a facility or group home, may qualify for a MO HealthNet Home and Community-Based Services (HCBS) Waiver. MO HealthNet has a higher income limit for people in this situation, but some people have to pay a patient liability.

Learn more about MO HealthNet options for people with disabilities.

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, 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.

To get subsidies to help pay for individual coverage, your income must be at least 100% of FPG. That's at least x for a family of y.

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.

MO HealthNet is a public program that helps pay medical expenses for people with low income. On MO HealthNet, you do not have to pay a premium to get coverage. To qualify for disability-based MO HealthNet, you must have a disability that meets Social Security standards or be 65 years old or older. With disability-based MO HealthNet, you may qualify for extra services to help with disability-related needs.

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 program that helps pay medical expenses for people with low income. For children and pregnant women, there's no premium. Children and pregnant women may qualify for MO HealthNet if their family’s income is at or under 280% of FPG (x for a household of y).

MO HealthNet is a public health coverage program for people with low income. MO HealthNet's Ticket to Work Health Assurance program lets people with disabilities earn more money, build more resources, and keep their MO HealthNet coverage. To get Ticket to Work Health Assurance, you must work and earn more than per month, pay FICA taxes, be a Missouri resident, have a disability that meets Social Security standards, and pay a monthly premium.

MO HealthNet and Medical Assistance for Employed Persons with Disabilities (MO HealthNet's Ticket to Work Health Assurance program) are two ways for people with disabilities to get public health coverage. The asks 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 tells you what your monthly premium would be.

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 for Kids is a public program that helps pay medical expenses for children 18 years old or younger and pregnant women. There may be a premium for MO HealthNet for Kids coverage. A child may qualify if a family's annual income is 260% of FPG (x for a household of y).

MO HealthNet and the 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 the Ticket to Work Health Assurance, it will also tell you what your monthly premium would be.

MO HealthNet is a public program that helps pay medical expenses for people with low income. The Ticket to Work Health Assurance is way for working people with a disability to earn a lot more, have much higher resources, and keep their MO HealthNet coverage. With the Ticket to Work Health Assurance, you may have to pay a premium for your coverage. To qualify for the Ticket to Work Health Assurance, you must be working, a Missouri resident, and have a disability that meets Social Security Administration rules.

Finding the Right Health Coverage For You

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