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Insurance in US (lemmy.ml)

submitted 1 year ago by [email protected] to c/[email protected]

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Hello,

I have a question about the healthcare insurance in US.

I have heard that it is tied to your employment and the company provides for it.

So here are a couple of questions:

Is there no way for an individual to get their own personal insurance and not be dependent on the company?
What about freelancers, business owners and retirees? Do they forfeit their insurances?

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[–] [email protected] 1 points 1 year ago

An individual can sign up for a plan through their State’s health insurance exchange or the federal government’s HealthCare.gov website.

It is usually more expensive than getting it through an employer - but works to serve small business owners, freelancers, etc.

A few States (like Massachusetts) have semi-universal systems that cover all individuals that earn under 150% of poverty, independent students, newly unemployed, etc.

A lot of Americans are also covered under Medicare, Medicaid , Social Security and other programs.

Retirees aged 65 and older are eligible for Medicare - a semi-universal federal system that covers pretty much everything and accepted most places.