Health Insurance Tips

WE CAN HELP — Our health care experts are working to provide you with the resources you need to make the most of new health care consumer protections and tools.

Get The Best Deal On Health Insurance

Looking for health coverage? The Health Insurance Marketplace could save you time and money.

1. Check out options at the Health Insurance Marketplace. The plans include coverage for doctor visits, hospitalizations, maternity care, emergency room care, prescriptions and more.
Online
: HealthCare.gov
Toll free: (800)318-2596  TTY: (855) 889-4325

2. Find out about financial help that’s available. At the Health Insurance Marketplace, you can find out if you qualify for financial assistance to lower your costs.

3. Use the Health Insurance Marketplace to compare plans side-by-side. The new marketplace lists your options on one website, and shows what each plan covers.

4. Take advantage of expert help in-person, online, or by phone. Specially trained people are available in communities across the country to help you apply and understand your options. Find them at LocalHelp.healthcare.gov.

5. Don’t take no for an answer. For coverage starting January 2014, insurance companies can no longer deny you due to a pre-existing condition.

6. Keep in touch. Check for updates on our website, and tell us about your experience. We want to hear what you think so we can spot trends and advocate for ongoing improvements. Contact us.

HEALTH CARE CONSUMER PROTECTIONS

If you have coverage, you already have protections under the health care law, such as:

  • Children and young adults can stay on their parents’ plan until age 26
  • Free preventive care, including check-ups and vaccinations
  • Insurance companies can’t set a lifetime cap on what they’ll pay if you get sick
  • Rebates if your insurance company spends less than 80% of premiums on care

Plus, new protections for coverage effective January 1, 2014 include:

  • Insurers can’t deny anyone coverage for having a “pre-existing condition”
  • No more annual caps on what your insurer will pay if you get sick
  • Insurance companies can’t charge women more than men for coverage

See more information about the health care law, the Affordable Care Act

 

Issue updates

News Release | U.S. PIRG Education Fund | Health Care

U.S. PIRG Education Fund Announces “Health Insurance 101” Campus Education Campaign

U.S. PIRG Education Fund celebrated the kick-off of its new health care outreach and education effort focusing on young Americans. The outreach effort comes as the Affordable Care Act’s “health insurance marketplaces” prepare to open in states across the country.

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Blog Post | Health Care

Pictures from our DC toy safety news conference today | Ed Mierzwinski

Today, PIRGs around the country released our 27th annual Trouble In Toyland report, highlighting potential choking, toxics, magnet and noise hazards kids may face. Here are a few photos from our DC event, where we were joined by Dr. Bryan Rudolph, a pediatric gastroenterologist, and Bob Adler, a Commissioner of the CPSC.

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Blog Post | Health Care

Here’s that Rx refill you didn’t order

Is your pharmacy refilling your prescription without your knowledge or approval, and billing your insurance company for the cost? If so, it’s the latest example of waste we shouldn't tolerate in our health care system.

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Media Hit | Health Care

Los Angeles Times: Target, Rite Aid, Walgreens refill drugs without OK, patients say

Some consumers report Target, Rite Aid and Walgreens have refilled their prescription drugs without their approval, similar to allegations involving CVS.

> Keep Reading
News Release | U.S. PIRG | Health Care

Supreme Court Upholds Health Reform

Today’s decision is good news for consumers. Insurance companies can’t go back to the days of dropping your coverage once you become ill, or denying coverage to sick children. And beginning in 2014, the days of insurers being able to deny anyone coverage for “pre-existing conditions” will be history. 

> Keep Reading

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News Release | U.S. PIRG | Health Care

Supreme Court Upholds Health Reform

Today’s decision is good news for consumers. Insurance companies can’t go back to the days of dropping your coverage once you become ill, or denying coverage to sick children. And beginning in 2014, the days of insurers being able to deny anyone coverage for “pre-existing conditions” will be history. 

> Keep Reading
News Release | U.S. PIRG | Health Care

New Health Exchange Rules Help States Move Forward

The rules released today by the federal Department of Health and Human Services put states in the driver’s seat when it comes to setting up new health benefits exchanges.  

> Keep Reading
News Release | U.S. PIRG Education Fund | Health Care

Nationwide Survey of New Health Exchanges Shows How to Lower Costs for Consumers

Many states are creating health exchanges to deliver better value for consumers, and other states should follow their lead, according to Making the Grade, a new report by consumer group U.S. PIRG.  Health exchanges are competitive marketplaces that can empower individuals and small businesses with better, more affordable options for coverage.  Under the federal health reform law, each state will have an exchange up and running in 2014. The report closely examines the exchanges that have so far been set up by states and rates them according to how accountable they will be to consumers and the public, how much they can do to lower premiums and improve the quality of care, how friendly they will be to consumers, and how stable they will be.

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News Release | U.S. PIRG Education Fund | Health Care

New Health Exchange Rules Put States in the Driver's Seat

The draft rules released today by the federal Department of Health and Human Services put states in the driver’s seat when it comes to setting up new health benefits exchanges.

> Keep Reading
News Release | U.S. PIRG Education Fund | Health Care

Consumer Group Calls for Competitive Health Care Marketplaces

State policy-makers can address rising health care costs by implementing an effective health insurance exchange, according to a report released today by consumer advocacy group U.S. PIRG.

> Keep Reading

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