Saving on health insurance can be easy.

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 are the options? What is the best choice for you and your family?

To help you find the answers, we’re proud to work with GoHealth – the nation’s most complete online marketplace for finding health insurance coverage. GoHealth has helped more than 40 million consumers shop for affordable coverage, connecting individuals and families with the right plans to meet their needs.

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.

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 December 15. 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 is designed to make 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 December 15. 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.

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:³

• INDIVIDUALS with an annual income below $48,560
• COUPLES with a combined annual income below $65,840
• FAMILIES OF FOUR with a combined annual income below $100,400

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.

• 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 December 15.
  
• You need to obtain coverage that meets federal guidelines by December 15. After that date, you could face tax penalties.

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.

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.