In recent years there have been many changes in the health insurance market that impact when individuals and families can buy a health insurance policy if they do not have one through their job or government program.
If you do not have health insurance and you are eligible for Medicaid based on your income, you will be guided on how to apply. Medicaid is a government program that helps pay medical costs for people who cannot afford other forms of health insurance. It provides insurance to low-income adults, children, pregnant women, elderly adults, and people with disabilities. It is a federal program that is managed by states.
Some states have additional programs for children with certain diseases or health problems like heart disease. If you live in a state with this type of program, a social worker who is assigned to be your case worker can usually help you apply for the program.
If you do not have health insurance and your income is too high to qualify for Medicaid or state insurance programs, then you can explore getting a health insurance policy for your family through an independent insurance agent or the healthcare.gov national insurance exchange. The insurance options available to you will be different depending on where you live. Until you get health insurance, you will be responsible for paying the cost of medical expenses.