Insurance Coverage options for people with disabilities

If you have a special health care need — like if you’re terminally ill, need help with daily activities, get regular care at home or in another community setting, live in a long-term care facility or group home, or have a condition that limits your ability to work — or if you have a disability, you have a number of options for health coverage.

If you currently have Medicaid or Medicare, you’re considered covered under the health care law and don’t need a Marketplace plan.

If you don’t have health coverage, you can fill out a Marketplace application to find out if you qualify for savings on a private health plan or for coverage through Medicaid.

Visit these pages to find information on the following topics.

• SSDI & Medicare coverage
• SSI Disability & Medicaid coverage
• Waiting for a decision on disability status
• No disability benefits or health coverage
• More information about health care for people with disabilities

Under the health care law, plans must cover treatment for pre-existing conditions from the first day of coverage. This applies to coverage through private health plans in the Marketplace, Medicaid, and Medicare. Marketplace plans can’t put annual or lifetime limits on your coverage.

• Learn more about your rights and protections under the health care law.
• Learn about the benefits that Marketplace health plans must cover.