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 | US PIRG Education Fund | COVID-19, Public Health, Health Care

NURSING HOMES STILL DON’T HAVE ENOUGH MASKS, GOWNS, OTHER PPE

A new analysis by the U.S. PIRG Education Fund and Frontier Group found that 8 percent of nursing homes nationwide as of Dec. 27 had a critical shortage of surgical-grade N95 masks, which are the best protection against spreading the virus. Additionally, 4 to 6 percent of nursing homes reported shortages in at least one other category of personal protective equipment.

> Keep Reading
News Release | US PIRG Education Fund | Consumer Tips, Health Care

Report: Nursing homes endure massive PPE shortages

Seven months into this pandemic, PPE shortages have become much worse, according to “Nursing home safety during COVID: PPE shortages,” a report by the U.S. PIRG Education Fund and Frontier Group.

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

Approved CVS-Aetna merger leaves Americans facing even higher prescription drug costs

Judge Richard J. Leon of the United States District Court for the District of Columbia today approved a massive merger of CVS, the country’s largest retail pharmacy chain, and Aetna, the third-largest health insurer in the United States, despite significant opposition from consumer advocates and health care organizations. Consumer Watchdog Adam Garber put out a statement in response.

> Keep Reading
Report | PIRGIM Education Fund | Health Care

The Real Price of Medications

People living in the United States have access to some of the best medical care in the world, from life-saving drugs to cutting-edge surgical techniques. But our system is deeply flawed, with spiraling costs forcing many Americans to spend more on care and often receiving poor quality care for all the extra money spent.

> Keep Reading
News Release | PIRGIM Education Fund | Health Care

Prices of common medications can vary by hundreds of dollars

While many Americans struggle to afford their prescription drugs, PIRGIM Education Fund’s survey of retail prices of commonly-prescribed medications found patients can save hundreds, even thousands of dollars in some cases by shopping around at pharmacies within their communities.

> Keep Reading

Pages

News Release | US PIRG Education Fund | COVID-19, Public Health, Health Care

NURSING HOMES STILL DON’T HAVE ENOUGH MASKS, GOWNS, OTHER PPE

A new analysis by the U.S. PIRG Education Fund and Frontier Group found that 8 percent of nursing homes nationwide as of Dec. 27 had a critical shortage of surgical-grade N95 masks, which are the best protection against spreading the virus. Additionally, 4 to 6 percent of nursing homes reported shortages in at least one other category of personal protective equipment.

> Keep Reading
News Release | US PIRG Education Fund | Consumer Tips, Health Care

Report: Nursing homes endure massive PPE shortages

Seven months into this pandemic, PPE shortages have become much worse, according to “Nursing home safety during COVID: PPE shortages,” a report by the U.S. PIRG Education Fund and Frontier Group.

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

Approved CVS-Aetna merger leaves Americans facing even higher prescription drug costs

Judge Richard J. Leon of the United States District Court for the District of Columbia today approved a massive merger of CVS, the country’s largest retail pharmacy chain, and Aetna, the third-largest health insurer in the United States, despite significant opposition from consumer advocates and health care organizations. Consumer Watchdog Adam Garber put out a statement in response.

> Keep Reading
News Release | PIRGIM Education Fund | Health Care

Prices of common medications can vary by hundreds of dollars

While many Americans struggle to afford their prescription drugs, PIRGIM Education Fund’s survey of retail prices of commonly-prescribed medications found patients can save hundreds, even thousands of dollars in some cases by shopping around at pharmacies within their communities.

> Keep Reading
News Release | U.S. PIRG | Public Health, Consumer Protection, Health Care

Second recall of King Bio’s homeopathic drugs in the past month

King Bio Inc. issued the second significant voluntary recall since late July of their homeopathic drugs on Wednesday. Safety concerns over homeopathic drugs extend beyond King Bio as over the past several years, the FDA has issued recalls to several companies for a variety of health products from zinc-containing intranasal medicine to asthma drugs with toxic ingredients. 

> Keep Reading

Pages

Result | Health Care

Young People Now Covered

This year, the federal health care reforms that PIRGIM worked to win have started to pay off for young people. In the past, teens saw their premiums soar or were denied coverage when they turned 19, even if they’d been insured their whole lives. Now, they can remain on their parents’ plans until age 26. 

> Keep Reading
Report | PIRGIM Education Fund | Health Care

The Real Price of Medications

People living in the United States have access to some of the best medical care in the world, from life-saving drugs to cutting-edge surgical techniques. But our system is deeply flawed, with spiraling costs forcing many Americans to spend more on care and often receiving poor quality care for all the extra money spent.

> Keep Reading
Report | PIRGIM Education Fund | Health Care

Making the Grade: A Scorecard for State Health Insurance Exchanges

States have an important opportunity to improve their health care marketplaces through the creation of an exchange. And the health reform law gives the states substantial leeway to define critical aspects of the exchange, including who is eligible to buy coverage through it, how aggressively it will set standards and negotiate with insurers, and who will run it.

> Keep Reading
Report | PIRGIM Education Fund | Health Care

The Cost of Repeal

On March 23, 2010, after a long congressional debate, President Barack Obama signed into law comprehensive federal health care reform legislation, known as the Affordable Care Act or ACA. But the enactment of the law did not end the debate.

> Keep Reading
Report | PIRGIM Education Fund | Health Care

The Young Person's Guide to Health Insurance

Starting this year, under the new health care law, young people will gain access to new, previously unavailable health insurance options. To make the most of those new choices, you need to learn the facts. This guide is designed to help you do that.

> Keep Reading
News Release | US PIRG Education Fund

A new analysis by the U.S. PIRG Education Fund and Frontier Group found that 8 percent of nursing homes nationwide as of Dec. 27 had a critical shortage of surgical-grade N95 masks, which are the best protection against spreading the virus. Additionally, 4 to 6 percent of nursing homes reported shortages in at least one other category of personal protective equipment.

News Release | US PIRG Education Fund

Seven months into this pandemic, PPE shortages have become much worse, according to “Nursing home safety during COVID: PPE shortages,” a report by the U.S. PIRG Education Fund and Frontier Group.

News Release | U.S.PIRG

Judge Richard J. Leon of the United States District Court for the District of Columbia today approved a massive merger of CVS, the country’s largest retail pharmacy chain, and Aetna, the third-largest health insurer in the United States, despite significant opposition from consumer advocates and health care organizations. Consumer Watchdog Adam Garber put out a statement in response.

News Release | PIRGIM Education Fund

While many Americans struggle to afford their prescription drugs, PIRGIM Education Fund’s survey of retail prices of commonly-prescribed medications found patients can save hundreds, even thousands of dollars in some cases by shopping around at pharmacies within their communities.

Report | PIRGIM Education Fund

People living in the United States have access to some of the best medical care in the world, from life-saving drugs to cutting-edge surgical techniques. But our system is deeply flawed, with spiraling costs forcing many Americans to spend more on care and often receiving poor quality care for all the extra money spent.

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