Saving on health insurance can be easy.

Saving on health insurance can be easy.

The TruStage Health Insurance Program puts the expertise of GoHealth at your fingertips.

GoHealth Advisors can help you find the right plan for you and your family. GoHealth has helped more than 30 million consumers shop for affordable coverage and can help you too.

  • You could save $434.39 a month on health insurance.¹
  • More than 75% of applicants qualify for financial help.²
  • Enroll online or get personal guidance from a licensed insurance advisor at 1-888-492-3446 before the January 31 deadline.
  • What is TruStage?

    Insurance endorsed by credit unions, more than 17 million members strong.

    At TruStage, our team of experts and well-known companies share in the desire to help you prepare for life's important moments, no matter how big or small.

    Our products—including life insurance, an auto and home insurance program and a health insurance program—are made available through the TruStage Insurance Agency.

    Over the years, we’ve earned the confidence of thousands of credit unions and more than 17 million members. With a commitment to dependability and service-first philosophy, we strive to help you achieve the insurance protection you want for your family.

    Learn more about TruStage, our history, and how we help protect what matters most.
  • FAQs

    How is the TruStage Health Insurance Program different?

    Our program, with GoHealth, gives you access to licensed insurance advisors who can help you make an informed decision—advisors who can help you choose a good health plan for you and your family. Online, the comparison features are easy to use and understand. You'll feel confident in the choices you make.

    In contrast, Healthcare.gov is designed for enrollment processing only—no advice is offered.

    Who needs health insurance coverage under the ACA?

    Under the Affordable Care Act, health insurance coverage is mandatory for nearly every American. If you don’t currently have health insurance through your employer, don’t qualify for Medicaid, and are under 65 (not yet eligible for Medicare), you’ll need to find health insurance by January 31. These are general rules with limited exceptions.

    Through the TruStage Health Insurance Program, you’ll have access to ACA-compatible plans.

    The right coverage depends on many factors: your income, your age, who will be included on your plan, how much of your healthcare expenses your plan will cover, and many others.

    Health insurers nationwide offer many types of plans that support the specific preferences of individuals, families and seniors. The TruStage Health Insurance Program with GoHealth makes it simple for credit union members like you to understand the options, find and compare plans, and get affordable coverage that meets the federal requirements.

    The open enrollment period begins on November 1 and ends January 31. During that time, you can choose which plan you think is best for you and your family. With the TruStage Health Insurance Program, you’ll have access to tools to help you make an informed choice.

    How do I know if I qualify for financial assistance?
    Many factors are considered, including household income and the number of people in your family. Here are general examples of people who could qualify for financial assistance:
    • INDIVIDUALS with an annual income below $46,680
    • COUPLES with a combined annual income below $62,920
    • FAMILIES OF FOUR with a combined annual income below $95,400
    As you research your options online or by phone, you’ll have access to tools and representatives who can help determine if you qualify. And even if you don’t qualify, our program can still help you find a good plan and a solid value.
    When do I need to get health coverage?
    • If you currently do not have a qualifying health insurance plan, you must select one and obtain coverage during the open enrollment period. The open enrollment period is happening now—from November 1 to January 31.
    • You need to obtain coverage that meets federal guidelines by January 31. After that date, you could face tax penalties.
    What information should I have available when I compare plans?

    Before you dive in, it’s helpful to gather some information. Don’t worry about every detail, but think about the type of medical care and services you and your family members might need. Then make a list of ongoing appointments and other planned expenses—it’ll be easier to see which plans cover those services. Finally, to help determine your budget, use your past year’s medical bills, receipts and insurance forms.

    Do I have any control over out-of-pocket costs?

    Yes. When you begin to compare plans, you’ll see a variety of options that all mean different things for your budget. Some plans cost more, but provide more benefits. Some are less expensive, but cover less. As you compare plans using the TruStage Health Insurance Program with GoHealth, licensed insurance advisors are available to help you decide what makes sense.

  • GoHealth: Here to help, experts at your fingertips

    Decisions about your health insurance are some of the most important ones you can make. Who will provide your care? How much will it cost? What will the Affordable Care Act (ACA) mean to you and your family? What are the options? What’s the best choice?

    For the answers, we’re proud to work with GoHealth—the nation’s most complete online marketplace for finding health insurance coverage. More than 30 million consumers have used GoHealth to compare health insurance quotes and purchase individual coverage.

    Learn more.