Despite the uninsured rate among low to middle-income LGBTQ+ individuals being cut in half in 2020, LGBTQ+ people are still more likely to be uninsured than those outside of the community. In this article, we’ll look at some of the health disparities the LGBTQ+ community faces and how to navigate the health insurance world in order to make sure you’re covered.

LGBTQ+ health disparities

In fact, many more members of the LGBTQ+ may have been impacted by the COVID-19 outbreak due to 40% of LGBTQ+ adults working in the industries hit hardest by the pandemic. As an LGBTQ+ individual, you probably have the same health concerns as the rest of the population. However, you may experience certain health challenges at higher rates or are more likely to suffer from certain chronic conditions.

There have been several recent changes to both the legal and political landscape that have improved the access to care and insurance for those in the LGBTQ+ community. The Gay and Lesbian medical Association (GLMA) is a great resource and exists to insure the equality in healthcare for the greater LGBTQ+ community. You can visit their website for more information.

Since those in the LGBTQ+ community are less likely to be insured and are more likely to avoid going to a doctor when needed, it’s important that those in the community understand how to find affordable access to health insurance. Keep reading to learn more about how to find access to health insurance for yourself and your family – chosen or otherwise.

What does the LGBTQ+ community need to know about the Affordable Care Act (ACA)?

Here are a few quick facts about the ACA that are essential for you to understand:

1. Insurance marketplaces (state and federal), health plans and their employees are NOT allowed to discriminate against the LGBTQ+ community. You also cannot be charged more if you have a pre-existing condition, such as HIV or cancer.
2. Open enrollment runs from November 1^st through December 15^th every year. Some states extend their open enrollment period. It’s important not to miss your opportunity to enroll, so be sure to double check when your enrollment window is in your state.
3. Be aware of the difference between ACA compliant plans and short-term plans. Short-term plans are often a great option to fill any coverage gaps you may experience, however they typically offer significantly less comprehensive coverage in comparison to ACA plans. Short-term plans won’t cover important health benefits or pre-existing conditions
4. It’s important to note that routine dental and vision care are NOT considered essential benefits under the ACA. This means your health plan may not cover things like routine visits to the dentist or the cost of glasses. You will have to get coverage for these things separately. If you qualify for Medicaid, you can typically find some coverage for routine dental and vision through Medicaid in your state.
5. If you have questions or need help finding LGBTQ+ health insurance coverage that’s right for you, feel free to give eHealth a call. Our licensed insurance agents are here to help you find a plan that fits both your needs and your budget.

What health insurance options do I have as an LGBTQ+ person?

For the most part, you have the option to find insurance coverage through work or through the ACA marketplace.

If you think that you may not be able to afford health insurance for you or your family, there are certain subsidies and programs that are put in place to help you find coverage.

Depending on what your yearly household income is, you may be eligible for ACA premium subsides. These subsides help people who make a certain percentage above the federal poverty line afford health insurance for themselves and their families. This is a great option for LGBTQ+ individuals and families looking for coverage that are concerned about finding an affordable plan.

If your yearly household income is below the poverty line, you can typically find insurance coverage through Medicaid or your state’s Medicaid program.

If you are experiencing a gap in your coverage, you may be able to find health insurance coverage through short-term plans. However, it’s important to keep in mind that these are not available in every state, they do not offer comprehensive coverage, and they do not cover pre-existing conditions. However, this may be a good option so you can have coverage in the worst-case-scenario.

What health insurance options do I have for my family?

You can typically find family health insurance plans on your state’s exchange, on the federal insurance marketplace, or with eHealth at no extra cost. eHealth’s team of agents can also help you make sure you’re getting the right plans for your coverage needs and budget.

If you’re concerned about getting coverage for your children, CHIP is in place to help families and kids find affordable health insurance coverage. To learn more about your options for health insurance coverage and to get your questions answered, don’t hesitate to call eHealth.