Find Cheap Health Insurance Quotes in Your Area
More information will be added and updated since this is a developing story.
The coronavirus outbreak has spread throughout the U.S. and is currently impacting our economy as well as our health-care system negatively. With all this uncertainty, Congress has been able to pass the CARES Act providing needed relief and clarity in regard to our financial institutions and health insurance.
Question: Will my health insurance cover coronavirus?
Answer: Under the CARES Act, a group health plan and any health insurer offering group or individual coverage will provide coverage and will not impose any cost sharing — deductibles, copayments or coinsurance — requirements for items and services needed to combat COVID-19.
In addition, the CARES Act specifies that any further preventative services for coronavirus are required to be offered and covered by providers of group or individual health insurance policies. This can include items, services and immunizations that are intended for preventing the spread of COVID-19.
Many insurers are also providing input on whether or not they will provide coverage. Most recently, Cigna and Humana are waiving any out-of-pocket related to hospitalization or care needed for coronavirus. This grace period for cost sharing will extend till May 31st according to the insurers.
Question: If I need health insurance, where can I purchase coverage?
Answer:If you are currently uninsured, there is still a possibility that you can purchase health insurance that will provide coverage for coronavirus. Many states have opened up special enrollment periods (SEPs) that allow uninsured individuals the ability to access the state marketplace where they can purchase an individual health insurance policy.
Below is a list of state-run exchanges that currently have emergency special enrollment periods:
|State||April 1 effective date||May 1 effective date||June 1 effective date|
|California||March 31, 2020||April 30, 2020||May 31, 2020|
|Colorado||April 3, 2020||April 30, 2020||—|
|Connecticut||April 2, 2020||April 17, 2020||—|
|Maryland||April 15, 2020||May 15, 2020||June 15, 2020|
|Massachusetts||March 23, 2020||April 25, 2020||—|
|Minnesota||April 21, 2020||—||—|
|Nevada||April 1, 2020||April 15, 2020||—|
|New York||—||April 15, 2020||May 15, 2020|
|Rhode Island||March 31, 2020||April 15, 2020||—|
|Washington||April 8, 2020||—||—|
|Washington D.C.||March 31, 2020||April 30, 2020||May 31, 2020|
|Vermont||April 17, 2020||April 17, 2020||—|
Question: What can I do if I am laid off from my job?
Answer: If you were laid off from your job, then we would suggest reaching out to your previous employer and see if they are continuing your health insurance benefits. Many employers such as Macy's and Gap have let employees go but continue to support them through job-base health plans.
If your employer is not offering benefits anymore then you may no longer have health insurance coverage. In this case, you will gain access to a special enrollment period (SEP) during which you would be able to purchase an individual health insurance plan. Your state marketplace can be found through the HealthCare.gov website. Here you can see if you qualify for the enrollment period and then select the plan that you wish to purchase.
What is the right type of health insurance to purchase?
Answer: Finding health insurance that offers full coverage is the best health insurance policy that you can purchase. This is insurance that will provide coverage for the 10 essential health benefits, which include:
- Outpatient services
- Emergency services
- Maternity and newborn care
- Mental health and substance abuse care
- Prescription drugs
- Rehabilitative services
- Laboratory services
- Preventative and wellness services
- Pediatric services
There are some health insurance policies, such as short-term health insurance, which may not provide coverage for some of these areas. However, they will often have a significantly cheaper monthly premium when compared to an individual health plan, for example. Therefore, if you are considering a short-term health policy, you should carefully review the policy details and confirm exactly what will and will not be covered.
A good policy to consider will be Silver health insurance plans since these have modest premiums and average deductibles. However, there are cheaper plans in terms of monthly premium available such as Catastrophic or Bronze coverage. These plans will typically have a larger deductible making them more expensive if you use your health insurance often.
Below we have provided a list of the cheapest health insurance policies in each state for the Silver metal tier.
|State||Cheapest Silver plan||Monthly cost for a 40-year-old|
|Alabama||Blue Cross Select Silver||$490.91|
|Alaska||Moda Pioneer Silver 4500||$683.00|
|Arkansas||Ambetter Balanced Care 12 (2020)||$357.67|
|California||Silver 70 CommunityCare HMO||$327.14|
|Colorado||KP Select Co Silver 4000/30/HSA||$311.51|
|Connecticut||Choice Silver Alternative POS||$398.10|
|Delaware||Health Savings Embedded Blue EPO Silver 3950 HSA||$521.49|
|Florida||BlueSelect Silver 1443||$404.69|
|Georgia||Ambetter Balanced Care 11 (2020)||$367.00|
|Hawaii||KP HI Silver 4000/45||$460.45|
|Iowa||Inspire by Medica Silver Copay||$559.43|
|Idaho||Select Silver 3500||$478.67|
|Illinois||Ambetter Balanced Care 11 (2020)||$344.26|
|Indiana||Ambetter Balanced Care 12 (2020)||$272.31|
|Kansas||Ambetter Balanced Care 12 (2020)||$418.06|
|Kentucky||Anthem Silver Pathway X Transition HMO 6700||$397.55|
|Louisiana||Blue Connect 80/60 $3,400 (S)||$417.02|
|Massachusetts||Tufts Health Direct Silver 2000 II||$311.93|
|Maryland||KP MD Silver 6000/35/Dental||$404.17|
|Maine||Maines Choice HMO Silver 6200||$450.34|
|Michigan||Meridian Healthy Silver||$306.99|
|Minnesota||Peak Individual $3,000 HSA Silver||$327.22|
|Missouri||Ambetter Balanced Care 11 (2020)||$405.20|
|Mississippi||Ambetter Balanced Care 11 (2020)||$398.97|
|Montana||Co-op Plus Silver||$276.58|
|North Carolina||Silver 4||$405.41|
|North Dakota||Sanford TRUE $4,750||$320.45|
|Nebraska||Medica with CHI Health Silver Copay||$554.42|
|New Hampshire||Ambetter Balanced Care 11 (2020)||$390.45|
|New Jersey||IHC Silver EPO AmeriHealth Advantage $25/$50||$378.52|
|New Mexico||Constant Care Silver 1||$307.60|
|Nevada||Ambetter Balanced Care 4||$364.70|
|New York||IND Destination 65, Silver, NS, INN, Dep25||$480.46|
|Ohio||Ambetter Balanced Care 12 (2020)||$321.00|
|Oregon||Connect 4500 Silver||$397.00|
|Pennsylvania||Together Blue EPO Silver 3950 HSA||$329.00|
|Rhode Island||Neighborhood PLUS||$299.51|
|South Carolina||Ambetter Balanced Care 12 (2020)||$372.09|
|South Dakota||Avera Preferred 2750||$463.10|
|Tennessee||Ambetter Balanced Care 12 (2020)||$456.40|
|Texas||Ambetter Balanced Care 5 (2020)||$337.37|
|Utah||Cigna Connect 1900||$449.46|
|Virginia||OptimaFit Silver 6600 30% Select CH M||$460.29|
|Vermont||[MVP VT Plus] Silver 1||$474.08|
|Washington||Ambetter Balanced Care 4||$343.14|
|Wisconsin||Dean Focus Network Silver HSA-E 4000X||$396.21|
|West Virginia||CareSource Marketplace Low Premium Silver||$471.15|
|Wyoming||BlueSelect Silver Balance||$806.05|
Question: Who can I contact if I need to be tested for COVID-19?
Answer: If you think you need to be tested for coronavirus, then you should begin by reaching out to your doctor. If you currently do not have a primary care physician (PCP) then we suggest reach out to your health insurance company to get more information.
The Center for Disease Control and Prevention (CDC) does not recommend going immediately to the emergency room, hospital or doctor's office, since you may spread the disease further.
Instead, listen to the instructions of your health-care provider, who will confirm if your symptoms warrant being tested and then tell you to visit a testing center in your state. Below is a list of testing centers in each U.S. state.
Note that these are only some of the many test facilities in your state. For complete lists and additional information regarding testing, we recommend visiting your state's government health website. Furthermore, you can also visit the on_current="true" url="https://www.cdc.gov/coronavirus/2019-ncov/hcp/clinical-criteria.html"CDC website, where you can receive testing guidance.
|State||Testing center locations|