Finding the Right 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.

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

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 NC Medicaid is for people with low income and low assets
• Health Coverage for Workers with Disabilities (HCWD) is for people who work and have higher income or higher assets

Use the HCWD Estimator 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.

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

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

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

Public coverage for employed people with disabilities. Some people pay a premium.

Two public coverage options for people with disabilities:

• Disability-based NC Medicaid is for people who have low income; people who get SSI qualify automatically
• Health Coverage for Workers with Disabilities (HCWD) is for people who work and have higher income

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.

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.

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.

MinnesotaCare is a public program that provides coverage for people with income that is too high to qualify for NC Medicaid, 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 NC Medicaid.

NC Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; income-based NC Medicaid 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 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.

NC Medicaid and Health Coverage for Workers with Disabilities (HCWD) are two ways for people with disabilities to get public health coverage. The HCWD Estimator asks for detailed information about your situation to see which is best for you. If you might qualify for Health Coverage for Workers with Disabilities (HCWD), it will also tell you what your monthly premium would be. To learn more, use the HCWD Estimator.

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.

To get subsidies to help pay for individual coverage, your income must be at or below 400% of FPG. That's x for a family of y.

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 NC Medicaid, 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 NC Medicaid.

NC Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; income-based NC Medicaid 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.

NC Medicaid and Health Coverage for Workers with Disabilities (HCWD) are two ways for people with disabilities to get public health coverage. The HCWD Estimator asks for detailed information about your situation to see which is best for you. If you might qualify for Health Coverage for Workers with Disabilities (HCWD), it will also tell you what your monthly premium would be.

NC Medicaid for children is a public program that helps pay medical expenses for children 18 years old or younger in families with low income. A child may qualify if a family's annual income is 216% of FPG or less (x for a household of y).

NC Medicaid is a public health coverage program for people with low income. Health Coverage for Workers with Disabilities (HCWD) is a way working people with disabilities can have NC Medicaid coverage, even if they earn more than the regular NC Medicaid income limits. To qualify, your disability must meet standards set by the Social Security Administration and you must have limited unearned income and resources. You may have to pay a monthly premium and annual fee, depending on your income.

NC Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; for disability-based NC Medicaid, 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 NC Medicaid. There’s no monthly premium for coverage.