Finding the Right 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

 Private Group Coverage
 Private Individual Coverage
 Public Coverage

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 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.

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 AHCCCS is for people with low income and low assets
  • AHCCCS Freedom to Work is for people who work and have higher income or higher assets

Use the AHCCCS Freedom to Work Estimator to figure out which is best for you.

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

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

Free public coverage, for people with disabilities with low income; people on SSI qualify automatically.

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 AHCCCS is for people with low income and low assets; people who get APA qualify automatically
  • The AHCCCS Freedom to Work 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.

Two public coverage options for people with disabilities:

  • Disability-based AHCCCS is for people who have low income; people who get SSI qualify automatically
  • AHCCCS Freedom to Work is for people who work and have higher income

Use the AHCCCS Freedom to Work Estimator to figure out which is best for you.

Free public coverage for low-income children.

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

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.

Two public coverage options for people with disabilities:

  • Disability-based AHCCCS is for people who have low income; people who get SSI qualify automatically
  • AHCCCS Freedom to Work is for people who work and have higher income

Read the How Health Benefits Work article to figure out which is best for you.

Public coverage for low-income children.

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

The Kentucky Children's Health Insurance Program (KCHIP) is public coverage for children.

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

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.

Two ways people with disabilities might qualify for Medicaid, even with income that's too high for SSI:

  • SSI 1619(b) Medicaid is for people who used to get SSI, but stopped getting it because they started working.
  • Home and Community Based Services (HCBS) Waivers help people who need Medicaid and other services to be able to live in the community.

Public coverage for low-income children.

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

Two public coverage options for people with disabilities:

  • Disability-based AHCCCS is for people who have low income
  • AHCCCS Freedom to Work is for people who work and have higher income

Read the How Health Benefits Work article to figure out which is best for you.

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

Your income is abovebelow 100% of FPG (x for a household of y) and abovebelow 400% of FPG (x for a household of y).

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

Public coverage with a premium, for employed people with disabilities.

Public coverage for children and pregnant women.

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

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.

Learn more about employer-sponsored coverage.

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.

Learn more about individual coverage.

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.

Learn more about individual coverage.

MinnesotaCare is a public program that provides coverage for people with income that is too high to qualify for AHCCCS, 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 AHCCCS.

Learn more about MinnesotaCare.

AHCCCS is a public program that helps pay medical expenses for people with low income. Children and pregnant women do not have to pay a premium to get AHCCCS. How you may qualify depends on your family’s situation. Children and pregnant women may be able to get AHCCCS coverage if your family’s income is at or under 280% of FPG (x for a household of y).

Learn more about AHCCCS.

AHCCCS is a public health coverage program for people with low income. There are different ways of qualifying; income-based AHCCCS 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.

Learn more about income-based AHCCCS.

AHCCCS is a public program that helps pay medical expenses for people with low income. AHCCCS Freedom to Work is a way for working people with a disability to earn more money, build more resources, and keep their AHCCCS coverage. On AHCCCS Freedom to Work, you have to pay a premium for your coverage. To qualify for AHCCCS Freedom to Work, you must be working, a Arizona resident and certified disabled according to the Social Security Administration or the State Medical Review Team (SMRT). You must also be paying Medicare and Social Security taxes, and earning more than per month.

Learn more about AHCCCS Freedom to Work.

AHCCCS is a public program that helps pay medical expenses for people with low income. On AHCCCS, you do not have to pay a premium to get coverage. How you may qualify depends on your family’s situation. To qualify for disability-based AHCCCS, you must have been determined disabled by the Social Security Administration or the State Medical Review Team (SMRT). If you are 65 or older, you may also qualify without a disability. This is not the only way that a person with a disability can qualify for AHCCCS, but this way of qualifying may help you get more services, and allow you to make more money than the standard AHCCCS income limit.

Learn more about disability-based AHCCCS.

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.

Learn more about Medicare.

AHCCCS is a public program that helps pay medical expenses for people with low income. AHCCCS Freedom to Work is a way for working people with a disability to earn more and keep their AHCCCS Freedom to Work coverage. On AHCCCS Freedom to Work, you have to pay a premium for your coverage. To qualify for AHCCCS Freedom to Work, you must be working, a Arizona resident, and certified disabled according to Social Security Administration rules.

AHCCCS is a public program that helps pay medical expenses for people with low income. On AHCCCS, you do not have to pay a premium to get coverage. How you may qualify depends on your family’s situation. To qualify for disability-based AHCCCS, you must be determined disabled according to Social Security Administration rules or be 65 or older. This is not the only way that a person with a disability can qualify for AHCCCS, but this way of qualifying may help you get more services, and allow you to make more money than the standard AHCCCS income limit.

AHCCCS and Medical Assistance for Employed Persons with Disabilities (AHCCCS Freedom to Work) are two ways for people with disabilities to get public health coverage. The AHCCCS Freedom to Work Estimator asks for detailed information about your situation to see which is best for you. If you might qualify for AHCCCS Freedom to Work, it will also tell you what your monthly premium would be.

To learn more, use the AHCCCS Freedom to Work Estimator.

AHCCCS and AHCCCS Freedom to Work are two ways for people with disabilities to get public health coverage. The AHCCCS Freedom to Work Estimator asks for detailed information about your situation to see which is best for you. If you might qualify for AHCCCS Freedom to Work, it will also tell you what your monthly premium would be.

To learn more, use the AHCCCS Freedom to Work Estimator.

AHCCCS 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 AHCCCS for children is also called Denali KidCare (DKC). There’s no monthly premium for coverage.

Learn more about income-based AHCCCS/Denali KidCare.

AHCCCS is a public health coverage program for people with low income. The AHCCCS Freedom to Work program is a way working people with disabilities can have AHCCCS coverage, even if they earn more than the regular AHCCCS 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.

Learn more about the AHCCCS Freedom to Work.

AHCCCS is a public health coverage program for people with low income. There are different ways of qualifying; for APA-related AHCCCS, 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 AHCCCS. There’s no monthly premium for coverage.

Learn more about APA-related AHCCCS.

AHCCCS is a public health coverage program for people with low income. There are different ways of qualifying; income-based AHCCCS 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 AHCCCS is sometimes called MAGI-Category AHCCCS, Adult AHCCCS, or AHCCCS Expansion.

Learn more about income-based AHCCCS.

AHCCCS KidsCare is a public program that helps pay medical expenses for children 18 years old or younger in families with low income. There may be a premium for KidsCare coverage. A child may qualify if a family's annual income is 205% of FPG or less (x for a household of y).

AHCCCS is a public health coverage program for people with low income. There are different ways of qualifying; children may qualify for free coverage if their household income is 200% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). They can pay a monthly premium for coverage if household income is between 200% of FPG and 355% of FPG (x for a household of y). Income-based AHCCCS for children is also called NJ FamilyCare.

Learn more about income-based AHCCCS/NJ FamilyCare.

AHCCCS is a public health coverage program for people with low income. AHCCCS Freedom to Work is a way working people with disabilities can have AHCCCS coverage, even if they earn more than the regular AHCCCS income limits. To qualify, your disability must meet standards set by the Social Security Administration and you must have low resources. You may have to pay a monthly premium for coverage, depending on your income.

Learn more about AHCCCS Freedom to Work.

AHCCCS is a public health coverage program for people with low income. There are different ways of qualifying; for disability-based AHCCCS, 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 Supplemental Security Income (SSI) benefits, you automatically qualify for disability-based AHCCCS. There’s no monthly premium for coverage.

Learn more about disability-based AHCCCS.

The Kentucky Children's Health Insurance Program (KCHIP) is a public health coverage program for children with low income. There are different ways of qualifying; children who are 18 or younger may qualify for coverage if their household income is 218% of the Federal Poverty Guidelines (FPG) or less (x for a household of y).

Learn more about KCHIP.

AHCCCS is a public health coverage program for people with low income. If you get Supplemental Security Income (SSI) benefits, you automatically qualify for AHCCCS. If you have a disability (or are 65 or older) and your income and resources are low enough for SSI, you should apply for SSI and if you are approved, you'll get AHCCCS automatically. Some people with very low income and resources qualify for disability-based AHCCCS even if they don't get SSI.

Learn more about AHCCCS options for people with disabilities.

AHCCCS is a public health coverage program for people with low income. If you used to get Supplemental Security Income (SSI) benefits and stopped getting them because you started working, SSI rule 1619(b) says that you can keep getting AHCCCS as long as your total earnings are $44,619 or less per year. You also must continue to have a disability, still have resources below $2,000 ($3,000 for couples), and meet all other SSI program rules.

Learn more about AHCCCS options for people with disabilities.

AHCCCS is a public health coverage program for people with low income. People with disabilities who need extra services to be able to live in the community, instead of in a facility or group home, may qualify for a AHCCCS Home and Community-Based Services (HCBS) Waiver. AHCCCS has a higher income limit for people in this situation, but some people have to pay a patient liability.

Learn more about AHCCCS options for people with disabilities.

AHCCCS for Kids is a public health coverage program for children with low income. Children may qualify for free coverage if their household income is 150% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). They can pay a monthly premium for coverage if household income is between 150% of FPG and 300% of FPG (x for a household of y).

Learn more about AHCCCS for Kids.

AHCCCS is a public health coverage program for people with disabilities who have low income and low resources. AHCCCS Freedom to Work is a way working people with disabilities can have AHCCCS coverage, even if they earn more than the regular AHCCCS income limits. To qualify, your disability must meet standards set by the Social Security Administration and you must have low resources. You may have to pay a monthly premium for coverage, depending on your income.

Learn more about AHCCCS Freedom to Work.

AHCCCS is a public program that helps pay medical expenses for people with disabilities and seniors who have low income and low resources. With AHCCCS, you do not have to pay a premium to get coverage. To qualify for disability-based AHCCCS, you must have been determined disabled by the Social Security Administration or a Medical Review Team. If you are 65 or older, you may also qualify without a disability.

Learn more about disability-based AHCCCS.

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.

Learn more about individual coverage.

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.

AHCCCS is a public program that helps pay medical expenses for people with low income. On AHCCCS, you do not have to pay a premium to get coverage. To qualify for disability-based AHCCCS, you must have a disability that meets Social Security standards or be 65 years old or older. With disability-based AHCCCS, you may qualify for extra services to help with disability-related needs.

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 AHCCCS, 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 AHCCCS.

AHCCCS is a public program that helps pay medical expenses for people with low income. For children and pregnant women, there's no premium. Children and pregnant women may qualify for AHCCCS if their family’s income is at or under 280% of FPG (x for a household of y).

AHCCCS is a public health coverage program for people with low income. There are different ways of qualifying; income-based AHCCCS 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.

AHCCCS is a public health coverage program for people with low income. AHCCCS Freedom to Work lets people with disabilities earn more money, build more resources, and keep their AHCCCS coverage. To get AHCCCS Freedom to Work, you must work and earn more than per month, pay FICA taxes, be a Arizona resident, have a disability that meets Social Security standards, and pay a monthly premium.

AHCCCS and Medical Assistance for Employed Persons with Disabilities (AHCCCS Freedom to Work) are two ways for people with disabilities to get public health coverage. The AHCCCS Freedom to Work Estimator asks about your situation to see which is best for you. If you might qualify for AHCCCS Freedom to Work, it tells you what your monthly premium would be.

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.

KidsCare is a public program that helps pay medical expenses for children 18 years old or younger and pregnant women. There may be a premium for KidsCare coverage. A child may qualify if a family's annual income is 260% of FPG (x for a household of y).

AHCCCS is a public health coverage program for people with low income. There are different ways of qualifying; for disability-based AHCCCS, 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 Supplemental Security Income (SSI) benefits, you automatically qualify for disability-based AHCCCS. There’s no monthly premium for coverage.

AHCCCS and AHCCCS Freedom to Work are two ways for people with disabilities to get public health coverage. The AHCCCS Freedom to Work Estimator asks for detailed information about your situation to see which is best for you. If you might qualify for AHCCCS Freedom to Work, it will also tell you what your monthly premium would be.

AHCCCS and the AHCCCS Freedom to Work are two ways for people with disabilities to get public health coverage. The AHCCCS Freedom to Work Estimator asks for detailed information about your situation to see which is best for you. If you might qualify for the AHCCCS Freedom to Work, it will also tell you what your monthly premium would be.

AHCCCS is a public program that helps pay medical expenses for people with low income. The AHCCCS Freedom to Work is a way for working people with a disability to earn a lot more, have much higher resources, and keep their AHCCCS coverage. With the AHCCCS Freedom to Work, you may have to pay a premium for your coverage. To qualify for the AHCCCS Freedom to Work, you must be working, a Arizona resident, and have a disability that meets Social Security Administration rules (the state can check if your disability qualifies).