Frequently Asked Questions
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Question
How much is affordable health insurance?
Answer
The cheapest individual health insurance coverage will depend on your annual income. You may qualify for a subsidized plan. Without subsidies, you can find plans for as little as $140 per month* for a single person. * This is the based on the lowest prices for plans from CBC, but actual prices available depend on zip code, age, gender, and other factors. Get a personalized quote to see what may be available for you.
Question
How do I get individual health insurance?
Answer
You can get individual health insurance and family health insurance on the CBC marketplace. Our marketplaces offers support to help you find the right plan that suits your needs at no extra cost to you. To get coverage, simply enter some basic information (age, zip code, gender, etc.) and compare quotes from carriers in your state.
Question
What does private health insurance cover?
Answer
Individual health insurance and family health insurance plans will cover everything a plan provided through your employer would cover. When you use the CBC marketplace, you can access plan comparisons and summaries, or speak with an experienced agent to get assistance.
Question
When is individual health insurance and family health insurance available?
Answer
You can purchase an individual health insurance plan or a family health insurance plan during the annual open enrollment or during a special enrollment period. Special enrollment periods require a qualifying life event, such as loss of current coverage or a change in marital status. Click here to see our list of qualifying life events.
Question
What is the best health insurance?
Answer
Individual health insurance and family health insurance options can vary greatly in coverage levels and pricing. Shop and compare on the CBC marketplace or speak with an experienced agent to understand your options.
Question
What is the cheapest health insurance?
Answer
To identify the most affordable individual health insurance plan shop and compare on the CBC marketplace or speak with an experienced agent.
Question
What is a Qualifying Life Event (QLE)?
Answer
This is an event that will trigger a special enrollment period during the plan year that will allow you to make midyear changes to your benefit elections. Examples of a QLE are: Loss of other coverage, gain of other coverage, marriage, divorce, birth or adoption, death of a dependent or Medicare/Medicaid entitlement.
Question
How long do employees have to make a midyear enrollment change if they experience a QLE?
Answer
All QLE’s must be reported and processed within 30 days of the QLE Event Date. If the request is submitted after 30 days, the employee will need to wait for the annual open enrollment period in order to make changes.
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Question
How long can my adult child remain covered under my health plan?
Answer
Health plans are required to permit children to stay on family coverage until they turn 26. This rule applies to all plans in the individual market. Note that state law requirements may require offering coverage beyond age 26.
Question
Is the coverage for my adult dependent taxable?
Answer
No, the value of the coverage is not subject to federal tax for the employee or dependent. The health care reform law revised the Internal Revenue Code to clarify that the cost of coverage for a taxpayer's child is excluded from income through the end of the year in which the child turns 26. However, state requirements may differ, so state taxes may apply.
Question
Can I get coverage for my child who has a pre-existing condition?
Answer
Health plans that cover children are not able to deny coverage to your child under 19 years old based on a pre-existing condition.
Question
Can my insurance company terminate my coverage if I get sick?
Answer
Effective for the first plan year beginning after September 23, 2010, insurance companies will be prohibited from retroactively dropping, or rescinding, your coverage when you get sick. Rescissions of coverage will only be allowed in cases of fraud or material misrepresentation. This rule will apply to all non-grandfathered and grandfathered plans.
Question
How does the health care reform law help me learn more about my health plan coverage?
Answer
Your health insurance company or group health plan is required to provide you with an easy-to-understand summary about benefits and coverage. This requirement is designed to help you better understand and evaluate your health coverage choices. This summary is called a Summary of Benefits and Coverage, or SBC. You may also request a glossary of terms from your health plan or health insurer. The glossary includes definitions for commonly used terms in health insurance coverage, such as "deductible" and "copayment."