Finding the Right Health Coverage For You

The interactive tool below shows the main types of health coverage available today. Answer these questions and it will highlight the options that might be best for you.

Your Family's Options

Note: Your options are highlighted based on your answers to these questions. Depending on the details of your personal situation, you may not qualify for all of the options shown. Keep reading to learn more about your options.

Private coverage through your job, your spouse's job, or your parent's job. The employer pays part or all of the monthly premium.

Private coverage you buy from an insurance company or through HealthCare.gov.

Private coverage through HealthCare.gov, which the government may help you pay for.

Public coverage with a small premium, for people with low income.

Your income is abovebelow the limit: x for a household of y.

Free public coverage for people with low income.

Your income is abovebelow the limit: x for a household of y.

Free public coverage, for people with disabilities with low income and low assets.

Public coverage for people 65 and over, or on Social Security Disability Insurance (SSDI) or Childhood Disability Benefits (CDB).

Two public coverage options for people with disabilities:

  • Disability-based Medicaid is for people with low income and low assets
  • Working Disabled Medicaid Buy-In is for people who work and have higher income or higher assets

Use the to figure out which is best for you.

Public coverage with a premium for employed people with disabilities with low to moderate income.

Free public coverage for low-income children and pregnant women.

Your income is abovebelow the limit: x for a household of y.

Two public coverage options for people with disabilities:

  • Disability-based Medicaid is for people with low income and low assets; people who get APA qualify automatically
  • The Working Disabled Medicaid Buy-In is for people who work and have higher income or higher assets

Free public coverage for people with disabilities with low income and low assets; people who get APA qualify automatically.

Free public coverage for low-income children and pregnant women.

Your income is abovebelow the limit: x for a household of y.

Public coverage with a premium, for employed people with disabilities with low to moderate income.

Free public coverage for people who get Supplemental Security Income (SSI) benefits. Some people with disabilities with low income and low resources who don't get SSI may qualify.

Private coverage you buy from an insurance company or through HealthCare.gov.

Employer-sponsored coverage is private health insurance you get through your job or a family member’s job. Many employers choose to offer it as a benefit for employees who meet certain requirements, such as working a minimum number of hours each week. Employees who get this benefit often have to pay part of the monthly premium to get coverage for themselves and their family members.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. You can get your individual coverage directly from an insurance company, through an insurance broker, or on HealthCare.gov.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. Depending on your household income and situation, you may qualify to get government help paying for your insurance, if you sign up using HealthCare.gov.

MinnesotaCare is a public program that provides coverage for people with income that is too high to qualify for Medicaid, but too low to afford private insurance through HealthCare.gov. On MinnesotaCare, you have to pay a small premium for your coverage. You may qualify for MinnesotaCare if your family’s income is at or below 200% of FPG (x for a household of y) and you don't qualify for Medicaid.

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; income-based Medicaid is for people with household income that's 138% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). There's no monthly premium for coverage.

Medicare is a public health coverage program for seniors (65 years old or older) and people with disabilities. To qualify for Medicare, you or a family member must have worked and paid Medicare taxes for a certain number of years. Medicare has a monthly premium and other expenses, but if you have limited income, some programs may help you pay these expenses.

Medicaid and Working Disabled Medicaid Buy-In are two ways for people with disabilities to get public health coverage. The asks for detailed information about your situation to see which is best for you. If you might qualify for Working Disabled Medicaid Buy-In, it will also tell you what your monthly premium would be. To learn more, use the .

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; children and pregnant women may qualify if their household income is 208% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). Income-based Medicaid for children is also called Denali KidCare (DKC). There’s no monthly premium for coverage.

Medicaid is a public health coverage program for people with low income. The Working Disabled Medicaid Buy-In program is a way working people with disabilities can have Medicaid coverage, even if they earn more than the regular Medicaid income limits. To qualify, your disability must meet standards set by the Social Security Administration and you must have low resources. You have to pay a monthly premium for coverage, with the amount based on your income.

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; for APA-related Medicaid, you must have low resources and also either have a disability that meets standards set by the Social Security Administration or be 65 or older. If you get Adult Public Assistance (APA) benefits, you automatically qualify for APA-related Medicaid. There’s no monthly premium for coverage.

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; income-based Medicaid is for people with household income that's 138% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). There's no monthly premium for coverage. Note: Income-based Medicaid is sometimes called MAGI-Category Medicaid, Adult Medicaid, or Medicaid Expansion.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. You can get your individual coverage directly from an insurance company, through an insurance broker, or on HealthCare.gov.

Employer-sponsored coverage is private health insurance you get through your job or a family member’s job, if the employer offers it. Employees who get this benefit often have to pay part of the monthly premium to get coverage for themselves and their family members.

Individual coverage is private health insurance you buy on your own for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because of a health condition. You can get individual coverage directly from an insurance company, through a broker, or on HealthCare.gov.

Individual coverage is private health insurance you buy on your own for yourself or your entire family. Insurance companies cannot reject your application or charge you more because of a health condition. Depending on your income and situation, you may qualify for help paying for coverage on HealthCare.gov.

MinnesotaCare is a public health coverage program for people whose income is too high for Medicaid, but too low to afford private insurance. With MinnesotaCare, you pay a small monthly premium. You may qualify if your family’s income is at or below 200% of FPG (x for a household of y) and you don't qualify for Medicaid.

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; income-based Medicaid is for people with household income that's 138% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). There's no monthly premium for coverage.

Medicare is a public health coverage program for seniors (65 years old or older) and people with disabilities. To qualify, you or a family member must have worked and paid Medicare taxes for a certain number of years. Medicare has a monthly premium and other expenses, but if you have limited income, some programs may help you pay these expenses.

Medicaid and Working Disabled Medicaid Buy-In are two ways for people with disabilities to get public health coverage. The asks for detailed information about your situation to see which is best for you. If you might qualify for Working Disabled Medicaid Buy-In, it will also tell you what your monthly premium would be.