Get Insured - Affordable Care Act Resources for the LGBTQ Community
Given that the LGBTQ community is less likely to have health insurance than the non-LGBTQ community, it is especially important for LGBTQ folks to know about the benefits provided to them through the Affordable Care Act (ACA). Access to affordable health insurance can not only provide access to care, but can help address health disparities that currently exist in the LGBTQ community and provide critical preventative care. Below we’ve listed three quick facts LGBTQ people should be aware of about the ACA, as well as some important resources for learning more about the ACA, coverage options, and LGBTQ healthcare. Even if you have insurance, talk with your friends who don’t, and make sure they get the information they need.
1. State marketplaces, health plans, and their employees are prohibited from discriminating against the LGBTQ community. And insurers can’t charge you more if you have a pre-existing condition, such as HIV or cancer.
2. The Open Enrollment period for 2016 coverage ended on January 31, 2016. The Open Enrollment period for 2017 coverage begins on November 1, 2016 and ends on January 31, 2017. Learn more about open enrollment here.
3. Regardless of where you live, you are able to sign up online, over the phone, or in person for a plan that fits your budget. There are people who can help you navigate the system and provide you with assistance, and there are websites where you can browse plans in your state marketplace. Out2Enroll lists navigators and other resources near you, such as local LGBTQ community centers, community health centers, and AIDS service providers. You can also call 1-800-318-2956, where help is available in more than 100 languages.
- Out2Enroll is a coalition of organizations helping LGBTQ people stay healthy through making sure that one of the major benefits of the Affordable Care Act – access to affordable, comprehensive health insurance coverage – reaches LGBTQ communities.
- Read Strong Families’ guide: Where to Start, What to Ask: A Guide for LGBTQ People Choosing Healthcare Plans [PDF] to help LGBTQ people evaluate their healthcare needs, navigate new insurance options, and chose the best plan available.
- Visit www.HealthCare.gov to enroll in a new plan, change your current plan, and get answers about the Affordable Care Act.
- Get information from the National Center for Transgender Equality on transgender-related ACA enrollment information
- Get HIV/AIDS ACA enrollment information and coverage resources from Greater than AIDS and HIV Health Reform