Individual & Family Coverage

The decision to get health coverage for you and your family is extremely important.  Whatever you decide, it is important to be fully informed about your options.  In this section we outline the options and provide guidelines to help you get started.

1. Try group health insurance

Group health insurance is usually your best option if you can get it.  Check with your employer to see if you might be eligible for group health insurance through work.  Go...

2. Try individual health insurance

If you cannot get group health insurance, your next option is to purchase an individual health insurance policy for you and any family members you would like to cover. Go...

3. Try Medicaid & FAMIS

If you cannot get group or individual health insurance, you might be able to get Medicaid or FAMIS coverage for yourself or your children.  Go...

4. Try Medicare

Medicare is a federal health coverage program for people 65 or older.  You might also qualify for Medicare if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).  Go...

5. Look for care without coverage

If you are not able to get any of the coverages outlined above, you might be able to get care from a provider willing to serve uninsured patients.  Go...


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What about Health Savings Accounts?

Health Savings Accounts (HSAs) are designed to help individuals save for future qualified medical and retiree health expenses on a tax-free basis.

High Deductible Health Plans (HDHP) are health insurance plans with lower premiums and higher deductibles than a traditional health plan. It is sometimes referred to as a catastrophic health insurance plan.

Click here for a detailed explanation of HSAs & HDHPs from the U.S. Department of the Treasury website.
Help!

Do you need help solving a specific health care access or insurance problem?  Try these resources:

The Patient Advocate Foundation

The Virginia Bureau of Insurance