How to Get Health Insurance in the USA in 2024

What Types of Coverage Exist?

Health insurance coverage comes in four major types: employer-sponsored health insurance, individual or private plans, Medicare and Medicaid.

More than half (57%) of private sector employees are covered by a work-based health insurance plan, according to the Kaiser Family Foundation.

Private health insurance that’s not through an employer has become more common since the Affordable Care Act (ACA) went into effect in 2014. The ACA created a health insurance marketplace that lets consumers compare health plans available in their area. The law also created premium tax credits and cost-saving subsidies to reduce health insurance costs for people who buy in the ACA marketplace at

Health insurance is a critical component of financial security and well-being in the United States. Navigating the health insurance landscape can be daunting, given the array of options, varying costs, and complex regulations. This guide aims to simplify the process of obtaining health insurance in 2024, covering essential information and steps to help you make informed decisions.

Understanding Health Insurance

Health insurance is a contract between you and an insurance company that covers medical expenses. It can include coverage for doctor visits, hospital stays, prescription medications, and preventive care. Insurance plans vary widely in terms of coverage, costs, and network of healthcare providers.

Types of Health Insurance Plans

  1. Employer-Sponsored Insurance: Provided by employers, these plans are often subsidized, making them more affordable.
  2. Marketplace Plans: Available through the Health Insurance Marketplace, these plans are categorized by metal tiers (Bronze, Silver, Gold, Platinum) based on coverage levels and cost.
  3. Medicare: Federal program for individuals aged 65 and older, and some younger people with disabilities.
  4. Medicaid: Joint federal and state program providing coverage for low-income individuals and families.
  5. Children’s Health Insurance Program (CHIP): Offers low-cost coverage to children in families that earn too much to qualify for Medicaid but not enough for private insurance.
  6. Private Insurance: Purchased directly from insurance companies, outside of the Marketplace.

Steps to Get Health Insurance

1. Assess Your Needs

Before choosing a health insurance plan, evaluate your healthcare needs and financial situation. Consider:

  • Frequency of doctor visits
  • Prescription medication needs
  • Anticipated medical procedures
  • Preferred healthcare providers
  • Budget for premiums, deductibles, and out-of-pocket costs

2. Understand Key Terms

Familiarize yourself with essential health insurance terms:

  • Premium: Monthly payment for the insurance plan.
  • Deductible: Amount you pay out-of-pocket before insurance starts to cover costs.
  • Copayment (Copay): Fixed amount you pay for a covered service.
  • Coinsurance: Percentage of costs you pay after meeting your deductible.
  • Out-of-Pocket Maximum: The maximum amount you pay in a year, after which insurance covers 100% of costs.

3. Explore Coverage Options

Employer-Sponsored Insurance

If your employer offers health insurance, it’s often the most affordable option due to employer contributions. During open enrollment, review the plans offered, compare costs and coverage, and enroll in the plan that best fits your needs.

Health Insurance Marketplace

For those without employer-sponsored insurance, the Health Insurance Marketplace provides a variety of plans. Open enrollment for 2024 runs from November 1, 2023, to January 15, 2024. Visit to:

  • Compare plans and prices
  • Check eligibility for subsidies and tax credits
  • Enroll in a plan


If you are 65 or older, or have a qualifying disability, you can enroll in Medicare. Medicare has several parts:

  • Part A: Hospital insurance
  • Part B: Medical insurance
  • Part C (Medicare Advantage): Private plans offering additional benefits
  • Part D: Prescription drug coverage

Enroll during your Initial Enrollment Period (IEP) starting three months before your 65th birthday and lasting seven months. Visit for more information.

Medicaid and CHIP

Eligibility for Medicaid and CHIP varies by state and is based on income and family size. Apply at any time through your state’s Medicaid office or the Health Insurance Marketplace.

Private Insurance

If you prefer not to use the Marketplace, purchase insurance directly from an insurance company. Compare plans on insurers’ websites or through a broker to find one that meets your needs.

4. Apply for Coverage

Through the Marketplace

  1. Create an Account: Visit to create an account.
  2. Complete an Application: Provide personal information, income details, and household size.
  3. Compare Plans: View available plans and their costs.
  4. Choose a Plan: Select a plan that fits your needs and budget.
  5. Enroll: Complete the enrollment process and pay your first premium.

Through Employer

  1. Attend Open Enrollment: Participate in your employer’s open enrollment period.
  2. Review Plans: Examine the details of available plans.
  3. Select a Plan: Choose the plan that best suits your needs.
  4. Enroll: Follow your employer’s instructions to enroll.

Through Medicare

  1. Check Eligibility: Confirm your eligibility at
  2. Apply: Enroll online, by phone, or at your local Social Security office.
  3. Choose a Plan: If opting for Medicare Advantage or Part D, compare plans and enroll.

Through Medicaid/CHIP

  1. Check Eligibility: Visit your state’s Medicaid website or to see if you qualify.
  2. Apply: Submit an application online, by mail, or in person.

Through Private Insurers

  1. Research Plans: Visit insurance company websites or contact brokers.
  2. Compare Options: Evaluate coverage, costs, and networks.
  3. Apply: Follow the insurer’s application process and pay your first premium.

5. Manage Your Health Insurance

Once you have health insurance, manage your plan to maximize benefits:

  • Understand Your Coverage: Know what services are covered and the costs involved.
  • Utilize Preventive Services: Take advantage of free preventive care to stay healthy.
  • Stay In-Network: Use in-network providers to minimize out-of-pocket costs.
  • Track Your Spending: Monitor medical expenses to avoid unexpected costs.
  • Review Your Plan Annually: During open enrollment, assess whether your current plan still meets your needs and make changes if necessary.

Tips for Choosing the Right Plan

  • Compare Costs Beyond Premiums: Look at deductibles, copayments, and out-of-pocket maximums.
  • Check Provider Networks: Ensure your preferred doctors and hospitals are in-network.
  • Consider Your Health Needs: Choose a plan that covers your regular healthcare needs.
  • Review Prescription Drug Coverage: Make sure your medications are covered.
  • Use Available Resources: Utilize tools and assistance from the Marketplace, brokers, or employer benefits departments.

Financial Assistance and Subsidies

Many Americans are eligible for financial assistance to make health insurance more affordable. The Marketplace offers two main types of subsidies:

  1. Premium Tax Credits: Reduce the cost of premiums based on your income.
  2. Cost-Sharing Reductions: Lower out-of-pocket costs for eligible individuals on Silver plans.

Eligibility for these subsidies depends on household income and size. Use the subsidy calculator on to estimate your savings.

Special Enrollment Periods (SEPs)

Outside of the open enrollment period, you may qualify for a Special Enrollment Period (SEP) if you experience certain life events, such as:

  • Loss of health coverage
  • Change in household size (e.g., marriage, birth of a child)
  • Change in residence
  • Significant changes in income

If you qualify for an SEP, you typically have 60 days from the event to enroll in a new plan.


Navigating the health insurance landscape in 2024 requires understanding your options, assessing your needs, and making informed decisions. Whether you obtain coverage through an employer, the Marketplace, Medicare, Medicaid, or a private insurer, the key is to choose a plan that provides the coverage you need at a price you can afford. By following the steps outlined in this guide, you can secure health insurance that protects your health and financial well-being in the year ahead.

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