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
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 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.
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.
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.
Private coverage you buy from an insurance company or through Healthcare.gov.
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.
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.
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.
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.
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.
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.
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 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 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).
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.
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.
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 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.
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.
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.
Get Expert Help
Ask an Arizona Work Incentive Consultant your questions about work and benefits.
1-866-304-WORK (9675)
A Work Incentive Consultant is a trained expert who can help you understand Social Security work incentives, disability benefit programs, and how they are impacted by work. Their goal is to help you transition to work and make a sustainable financial plan for your future.
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