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." To find in-person help from an assister in your area, use this tool. Check to see if your local community health center, AIDS service organization, hospital, or LGBT community organizations are available to help. You can also get help through HealthCare.gov online or by phone at 1-800-318-2596. Help through HealthCare.gov is available 24/7 in many different languages.
Healthcare reform includes extensive new nondiscrimination protections for LGBT people. Nobody who works with the marketplaces,including employees, insurance companies, and people helping you look for coverage, can discriminate based on sexual orientation or gender identity. Insurers can’t offer plans with benefits that discriminate based on sexual orientation, gender identity, sex, or health condition. No one can be denied coverage or charged more because of a pre-existing health condition. And you, your spouse, and your children have the right to the same family coverage options through the marketplace as any other married couple.
You can find additional national and state-specific resources by clicking here.« Previous Section: Key Dates and FactsNext Section: How to Use This Guide »