Commonly Asked Questions
Find answers to commonly asked questions about Obamacare, the new marketplaces, Medicaid, Medicare and Ryan White below. We have made every effort to provide accurate information in these questions, but you should contact the health insurance marketplace or Medicaid agency in your state for guidance on your specific situation.
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?
When can I sign up for health coverage through Obamacare – officially known as the Affordable Care Act (or ACA)?
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 New State Marketplaces/Exchanges:
How does health insurance purchased from a marketplace/exchange 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?
Problems and troubleshooting
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 September 2013 and are subject to change.