Government Health Insurance
Get Discounted Government Health Care Plans Through the California Exchange
Government Health Insurance is a broad term used in various contexts. For the public, it generally refers to medical health insurance or social programs that receive a reduction in cost due to some sort of subsidy provided by the government. The health insurance or program could be free, low cost, or reduced in cost for qualified individuals. Certain requirements must be met in order to qualify such as citizenship or lawful presence, low income, age, contributions made while working, disability, service in the armed forces, etc.
Government Health Care can refer to the Federal or State Health Insurance Marketplaces (or Exchanges) that provide government subsidies to lower the cost of health insurance premiums of private insurance companies. It can also refer to government programs such as Medicaid, Medicare, VA Health Care, and TRICARE.
Government Health Insurance is more easily understood when broken down into 3 categories:
Federal and State Health Insurance Marketplaces were created in 2013 as a result of the Affordable Care Act (ACA). This Government Health Care Reform law, commonly known as Obamacare, created Marketplaces as a way for qualifying Americans to be able to access government Tax Credits and affordable quality health care all in one place.
For a qualified individual, this means a private insurance plan can be chosen, a government subsidy can be applied, and as a result, a reduced monthly insurance bill is received. For quotes, enrollment and subsidy information, click Covered California, or for outside of the golden state, visit Healthcare.gov.
For United States Military members and their families, there are 3 main programs where health benefits can be received.
- Veterans Affairs (VA) Health Care
The VA offers comprehensive benefits to veterans for necessary inpatient hospital care and outpatient services based on discharge, service connection, or income.
- Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA)
CHAMPVA is a comprehensive health care program that serves non-TRICARE-eligible spouses and children of veterans who are permanently and totally disabled due to their service.
TRICARE offers varying benefits through a selection of available plans to active duty or retired uniformed service members and their families and survivors based on appropriate service categories.
Social Insurance Programs are government administered programs that provide assistance to disabled, unemployed, and elderly people. In the U.S., the two main government health care programs geared towards health care are Medicaid and Medicare.
Medicaid is a federal and state funded welfare program based on need. It provides comprehensive health insurance for free or at a very low cost to qualified individuals.
Medicare is an entitlement program, meaning it guarantees certain benefits to a segment of the population. It is not based on need but rather a certain set of requirements including age, citizenship status, and Medicare employee contributions. It provides comprehensive health insurance in which some coverage is usually free and other coverage costs a premium.