There are many options for health insurance coverage depending on where you work, your income, your household size and many other factors. It can feel confusing and complicated, but it doesn't have to be. There are trained professionals to help you find the right insurance for you and your family.

Health insurance coverage is a type of insurance that helps you pay or lowers the cost of medical and health services.

Your health and wellness is important and health insurance can help you get the care you need in an affordable way. Every health insurance plan on HealthCare.gov covers these essential benefits: doctor visits, preventive care, hospitalization, prescriptions, pregnancy and newborn care, children’s dental care, mental health services, and more.

If you are under 26, you have the option to remain on your parent’s plan from their job or the Marketplace. But, there may be other options that save you more money.

People of all ages are encouraged to view this guide

If you are still not sure what option is right for you, dial 2-1-1 for free, local help.

• First find out what options you have: Health Insurance Saver Tool.

• You can sign up for health insurance online at Healthcare.gov (the Health Insurance Marketplace) during open enrollment.

• You can apply for the state’s Medicaid, BadgerCare Plus at ACCESS.wi.gov at any time.

• Free, expert help is available for you to sign up for and understand your health insurance coverage. Call now to find a health insurance enrollment assister near you:

  • You can call 2-1-1 anywhere in Wisconsin

  • In Milwaukee, call the Covering Wisconsin Navigator line at 414-400-9489

• If you lose health insurance coverage or have another special life change, you can qualify for a special enrollment period to sign up on Healthcare.gov.

• If you don’t have health insurance coverage and have low income, you can apply for health insurance on Healthcare.gov any time of the year.

• You can apply for the state’s Medicaid program, BadgerCare Plus, at any time of the year.

• If you are eligible for the state’s Medicaid program, BadgerCare Plus, the cost of insurance is free and copayments (co-pays) range from $0.50 to $3.00 depending on the service.

• Depending on your income and household size, Healthcare.gov has financial help to lower the cost of health insurance. Most people can find plans with monthly premiums for $50 or less.

• Open enrollment: The Healthcare.gov open enrollment period is November 1 to January 15

• Copayment (co-pays): A fixed amount you pay for a health care service when you have insurance.

• Premium: The monthly payment you make to the insurance company for your health insurance plan to be active.

• Health insurance enrollment assister: A person trained and registered with the state of Wisconsin to help people sign up for health insurance for free, including a Navigator, Certified Application Counselor, agents, and brokers.