Where to Start, What to Ask: A Guide for LGBT People Choosing Health Care Plans

What Is This Guide and How Can It Help Me?

We've created this guide to help you evaluate your healthcare needs, navigate your new insurance options, and choose the best plan for you and your family.

At Strong Families we support the Affordable Care Act (ACA) – because we know the new healthcare law is a critical step to ensuring that all of our families have the healthcare they need. For too long, LGBT people have been unable to find coverage that treats our families fairly, covers the care that we need, and doesn't break the bank. Access to affordable health insurance helps us protect ourselves and our families, and it's vital to making sure that we can get the care we need to stay healthy.

Key Dates and Facts About the New Healthcare Plans

Key Dates and Facts About the New Healthcare Plans

Since January 2014, almost everyone in the United States has to have health insurance coverage for themselves and their families. If you don't have coverage or want to get new coverage, you can shop online, over the phone, or in person in your state's health insurance marketplace (sometimes called an "exchange") for a plan that fits your needs. If it's hard for you to afford insurance, you might be able to get financial help to purchase coverage. Read More »

Where Can I Get Help?

Where Can I Get Help?

In every state, you can get free help with enrollment from individuals called "navigators," "assisters," and "certified application counselors." In some states, insurance agents and brokers can also provide help with coverage options. In this guide, we call all of these assistance personnel "assisters." Read More »

How to Use This Guide

How to Use This Guide

Start by thinking about your healthcare needs. Ask yourself questions like: How is your health and the health of individuals you want to find coverage for? This might affect whether you want basic or comprehensive coverage. Do you need family coverage for a spouse, partner, or child? Are you transgender and looking for a plan that covers transition-related care? Do you want to continue seeing specific providers with whom you have pre-existing relationships? Does the plan include the doctor, clinic, or hospital that you currently use? What kind of budget do you have for healthcare? The greater clarity you have about your healthcare needs and budget, the easier talking to an assister will be. Read More »