How to get Health Insurance?

How do I get health insurance?

By Michelle Thomas

Sign up through your job

​​Employee Based

Sign up directly with companies.

Obama Care - Marketplace

Apply through the government

Medicaid

49% of Americans

​

Employee Based
Health Insurance

• Must be full-time employee

• Taken directly from paycheck
  

• Average monthly cost for family is $1200

• Average cost for individual is $644

• Employer pays 50%

​

• Guaranteed Coverage

• No research, employee choose company and plans (about 3 plans)

• Get fired/quit, lose insurance

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Requirements:

​

Costs:

​

Pros and Cons:

​

Multiple Select

Which of the following are requirements to having employee based health insurance? Check all that apply

• Must be low-income

• Must be employed

• Premium is deducted from paycheck

• Must be full-time

Categorize

Options (3)

Guaranteed Coverage

No job, no insurance

Affordable

Employee Based Insurance: Organize these options into the right categories

Pro

Con

Drag and Drop

How much does your employer pay towards your health insurance? ​

Placeholder

Drag these tiles and drop them in the correct blank above

10%

50%

100%

30%

​https://www.youtube.com/shorts/Y_DkJWgzxfo

10% of Americans

​

Obama Care
Marketplace

• Anyone can sign up

• Option for self-employed & part-time

• Sign up at healthcare.gov

  
  

• Income Based: more you make, more you pay

​

• Extensive research, thousands of plans

• Expensive for non-low income

• Inclusive for those with existing medical conditions

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Requirements:

​

Costs:

​

Pros and Cons:

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Multiple Choice

Who can sign up for Obama Care?

• All Americans

• Only Americans who make under $30,000 a year

• Americans who voted for Obama

• Only Americans who work part-time.

Categorize

Options (5)

Part-time employees can get health insurance

Self-employed Americans have access to health insurance

Time consuming and difficult research

Expensive for high-earners

Obama Care: Organize these options into the right categories

Pros

Cons

19% of Americans

​

MedicAID
(not medicare)

• Must be low-income or have a disability

• Free or low-cost

• Paid for by the states and federal government using tax dollars

​

• Providers (doctors) accept a limited amount of medicare patients

• Many exclusions, mediaid denies a lot procedures

• Ability to have basic medical needs met at no cost.

​

Requirements:

​

Costs:

​

Pros and Cons:

​

Multiple Select

Who qualifies for medicaid?

• Americans who earn $45,000 or higher

• Low Income Americans

• Americans with disabilities that prevent them from working.

• Americans whose employer doesn't offer health insurance

Categorize

Options (2)

Free health care to those in need

The provider (doctor) may not accept anymore medicaid patients

Medicaid: Organize these options into the right categories

Pro

Con

Open Ended

Medicaid is provided to those in need at no cost. Do you think medicaid will cover a nose job? Why or why not?

Open Ended

What is the difference between Medicaid and Medicare?

Multiple Select

Identify factors that will impact your health care premium.

• Age

• Tobacco Use

• Religion

• Height