Types of health insurance
There are many different types of health insurance. How you signed up for your insurance can tell you a lot about what type you have.
On this page:
- You get health insurance through your job
- You bought health insurance on your own
- You get health insurance from a state or federal program
You get health insurance through your job
Option 1 – You (or a family member) are a state or local government employee.
You get health insurance from the government you work for.
Your health plan is a “Non-Federal governmental plan.”
Option 2 – You (or a family member) work for a private company or organization.
Many companies offer health insurance to their employees.
You probably use a group health plan offered by your private employer. This could be either fully-insured or self-funded.
If you have questions about your insurance status, talk to your Human Resources department.
Option 3 – You (or a family member) are a current or retired federal government employee.
Most federal employees get health insurance from the Federal Employees Health Benefits (FEHB) Plan.
You bought health insurance on your own
Option 1 – You bought health insurance on the Health Insurance Marketplace.
You went to buy your insurance on the Health Insurance Marketplace. Or you may have worked with a Healthcare Navigator or Assister.
Option 2 – You bought health insurance from a state Marketplace.
Some states operate their own Marketplaces.
If your state is listed, it has its own Marketplace website that you used to apply and enroll:
- District of Columbia
- New Jersey
- New Mexico
- New York
- Rhode Island
Option 3 – You bought health insurance directly from a health insurance company.
You may have used an insurance agent or broker.
You get health insurance from a state or federal program
Option 1 – You (or your child) get your health insurance through Medicaid or the Children’s Health Insurance Program (CHIP).
Medicaid and CHIP provide health coverage to millions of Americans, including eligible:
- Low-income adults
- Pregnant women
- Elderly adults
- People with disabilities
Some states have different names for Medicaid and CHIP.
Check to see if you get your insurance from your state Medicaid agency.
Option 2 – You get your health insurance through Medicare.
Medicare is the federal health insurance program for:
- People who are 65 or older
- Certain younger people with disabilities
- People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)
Medicare includes the Traditional (or Original) Fee-for-Service Program and Medicare health plans (like Medicare Advantage).
Option 3 – You (or a family member) are a current or retired military service member. You get health insurance through TRICARE.
TRICARE is a military health care system. It provides care to uniformed service members, retirees, and their families.
VA Health Facilities are part of the TRICARE network.