Find answers to commonly asked questions about the Affordable Care Act, the state and federal marketplaces, Medicaid, Medicare and the Ryan White HIV/AIDS Program below. We have made every effort to provide accurate information, but you should contact the health insurance marketplace or Medicaid agency in your state for guidance on your specific situation.
What Do I Need to Do During Open Enrollment Season?
The Basics about Health Insurance
What happens if I lose my coverage or experience other major changes in my life after the open enrollment period has closed?
How Do I Use My Insurance?
For people who are HIV negative, will my insurance pay for Truvada as pre-exposure prophylaxis (PrEP)?
If something changes in my life, like my job, death, marital status, or family size, do I need to notify my insurance company?
What Does the Affordable Care Act Mean to Me?
If I already have insurance (including through Medicaid or Medicare), do I need to do anything or will anything change for me?
What if I am lesbian, gay, bisexual, or transgender (LGBT)? Will that affect my health insurance coverage and options?
The Ryan White HIV/AIDS Program and AIDS Drug Assistance Program (ADAP)
If I receive services from Ryan White or AIDS Drug Assistance Program (ADAP), do I still need insurance?
If I currently receive financial support from the Ryan White Program or AIDS Drug Assistance Program (ADAP), will that support still be available?
Expanded Coverage through Medicaid
If my state is not expanding Medicaid and I can’t afford to buy insurance on my own what are my options?
Insurance Coverage through an Employer
Does insurance coverage through an employer differ from coverage provided through other sources (such as purchased from a marketplace/exchange)?
Insurance Coverage through State Marketplaces:
How does health insurance purchased from a marketplace compare with that provided through other sources, like an employer?
What is the difference between the bronze, silver, gold and platinum plans offered in the marketplace?
How do the different plans in the marketplace compare in terms of coverage of benefits for someone with HIV?
How do I know if I am eligible for additional financial support to help pay for a plan in the marketplace/ exchange?
If I live in a state that does not operate its own marketplace, can I get financial help to make my coverage affordable?
Problems and Troubleshooting Insurance Coverage
What you need to know
We have made every effort to provide accurate information on this portal, but you should contact the marketplace or Medicaid agency in your state for guidance on your specific situation. Click here to find contacts in your state. All data on the site were updated November 2014 and are subject to change.