Not getting health coverage because you think it will be too expensive

In the past, some people found it impossible to find health coverage that was affordable and met their needs. Starting in 2014, there are more options than before. Now, there should be an option for almost everybody, regardless of whether you have a disability. The exact health coverage that will be right for you will depend on things like your family’s income, whether you have access to employer-sponsored coverage, your age, where you live, and whether you have a disability.

If you do not have the option of employer-sponsored coverage, you may be able to get government help to pay for an individual plan on Healthcare.gov. If you cannot afford private individual coverage, your best options will be public programs, like AHCCCS or Medicare, if you qualify.

Note: It is very important to have health coverage, but starting in 2019 there is no tax penalty if you don't have coverage.

Dejar de inscribirse en AHCCCS porque usted tiene cobertura privada

Es posible que el programa Libertad para Trabajar de AHCCCS cubra muchos servicios que los planes médicos privados no cubren.

Si usted se encuentra en esa situación y la prima de su seguro privado es más alta que la que le correspondería pagar por la cobertura del programa Libertad para Trabajar, le conviene definitivamente solicitar beneficios del programa Libertad para Trabajar. Su cobertura será más comprensiva y le costará menos.

Salirse de Medicare o no inscribirse en Medicare

If you are eligible for both Programa de Libertad para Trabajar de AHCCCS and Medicare, you should enroll in both. If you have both, you’ll have better health coverage, because Programa de Libertad para Trabajar de AHCCCS covers many services that Medicare does not cover. Programa de Libertad para Trabajar de AHCCCS may even pay your deductibles, copayments, and your premiums for Medicare Parts A, B, and D.

Not going back to work because you fear losing your AHCCCS coverage

In the past, people feared that if they got a job while they were on AHCCCS, they’d lose their AHCCCS, because they would no longer have low enough income to qualify.

Starting in 2014, if you lose one health coverage option, there will be another one you can get. If you lose your AHCCCS coverage, you will either become eligible for employer-sponsored coverage or private individual coverage. And, if you can’t afford the individual coverage, the government may help you pay for it.

The bottom line: There is a coverage option for everybody. Do not worry that getting a job will leave you without health coverage.