Get help payingfor health insurance with a tax credit
Under the Affordable Care Act, financial help for health insurance is available. Depending on the size of your family and your income, you may qualify for a premium tax credit. Find out how.
How many people are in your household?
*If you can get health insurance through your employer, you may not qualify for a premium credit.
Only the government can tell you if you will get a credit and how much it will be.
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Know the language
You have to decide what’s most important to you — cost or choice of doctors. If it’s cost, look at your out-of-pocket costs in three different ways, then choose. You should understand what a deductible, coinsurance and copay is before making your decision.
When you shop with Blue Cross and Blue Shield, you can easily compare different plans by deductible, coinsurance and copayments.
The fixed amount you must pay every year (or contract term) before your full benefits begin.
The percentage of a covered service that you are responsible for paying.
A fixed dollar amount you are required to pay for covered services at the time you receive care.
Choose a network
Your network consists of doctors, hospitals and other health care professionals you can see. You can choose an HMO or a PPO. Either way, you can avoid unexpected costs by staying within your network.
Learn more about the differences between HMO and PPO plans.