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ACAAffordable Medical Care ActLGBTlesbian, gay, bisexual, transgenderLGBT healthLesbian, gay, bisexual, and transgender health
It's open entry season. Even if you weren't previously eligible for financial assistance, now is the time to get health insurance for 2025.
LGBTQI+ people have long faced challenges accessing health insurance and necessary medical services. For some, this includes HIV testing, PrEP for HIV prevention, or antiretroviral therapy (ART) for people living with HIV. Without health insurance, people are more likely to postpone or forgo needed medical care and less likely to receive preventive services than people with insurance.
But thanks to the American Rescue Plan and the Inflation Reduction Act (IRA), more people, including individuals in the LGBTQI+ community, are now eligible for assistance paying for quality health care through the Health Insurance Marketplace. Even if you didn't qualify for financial assistance in the past, now is the time to get health insurance for 2025.
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Important dates. Marketplace open enrollment at HealthCare.gov will run from November 1st to January 15th. Consumers who want health insurance starting January 1st have until December 15th to enroll. Consumers must register by January 15 to receive coverage starting February 1. Otherwise, consumers must qualify and take advantage of the special enrollment period to enroll in a Marketplace plan. Coverage is affordable. Thanks to IRAs, more people can now be helped purchase quality health insurance. If you've looked for medical insurance before, it's worth thinking about it again. Four out of five HealthCare.gov customers can find a plan for $10 or less per month with financial assistance. IRAs allow millions of people to continue to qualify for tax credits. High quality plan. The Marketplace offers quality, comprehensive health insurance plans that cover doctor visits, emergency care, behavioral health, preventive care, hospital care, maternity care, and prescription drugs. There are also new plan options that offer similar benefit designs and more pre-deductible services. All plans on HealthCare.gov cover a range of preventive services and essential health benefits for everyone, regardless of sexual orientation or gender identity. Help is available. Consumers have access to navigators and other assistants in every state in the marketplace. To find local help, visit HealthCare.gov/find-local-help and sign up for coverage. All consumers purchasing health insurance, including those who currently purchase insurance through the Marketplace, must log in to HealthCare.gov and CuidadodeSalud.gov or call 1-800-318-2596 (TTY is 855- 889) to register or re-register. -4325) to fill out an application and enroll in a marketplace plan. Free help is available 24/7, and support is available in over 200 languages.
