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Helping you transition from Medicaid

Plan options and resources for you

You’re in the right place to learn more about Innovation Health individual & family plans. Here, you can find helpful resources, answers to your questions, and more. 

Looking for coverage?

You may qualify for a no or low-cost plan.

When you apply for an Affordable Care Act (ACA) plan, you may qualify for a premium tax credit, or subsidy. This can lower your monthly premium or even give you a $0 monthly premium.* So now’s the time to check out your options.

Big life change or one coming up?

Great news — we’ve got plans for you

Visit our simple shopping site to get coverage for 2022 and see if you qualify for financial help.

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan

We’re not in your area … yet

We’ve got plans to bring our ACA individual and family plans to more areas. For now, we want to make sure you’re covered.

Had a big life change? You can still get coverage for 2022. Visit the Health Insurance Marketplace® to shop for plans and see if you qualify for financial help.

Remember to visit the Marketplace on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan on HealthCare.gov

Great news — we’ve got plans for you through our relationship with Banner|Aetna

That means you can sign up for ACA individual coverage through Banner|Aetna. Visit their website to check out plan features, shop 2022 plans and see if you qualify for financial help.

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan on BannerAetna.com

Great news — we’ve got plans for you through our relationship with Aetna CVS Health

That means you can sign up for ACA individual coverage through Aetna CVS Health. Visit their website to check out plan features, shop 2022 plans and see if you qualify for financial help.

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan on AetnaCVSHealth.com

Have questions?

Find helpful answers and resources.

Medicaid eligibility

Understanding Medicaid eligibility

 

Where can I find Medicaid coverage updates?

At the beginning of the COVID-19 pandemic, Medicaid agencies paused eligibility reviews so those with benefits could keep them. But starting soon, states will return to their normal eligibility reviews. This review could affect your Medicaid eligibility. You can learn more about your state’s eligibility requirements on the Medicaid website.

What is Medicaid redetermination?

This is the process that states use to ensure that Medicaid enrollees continue to be eligible for Medicaid coverage. This is also called "renewal", "­redetermination" or "­recertification" review.

Here’s how it works: Your state will send you a renewal letter 45 to 30 days before your renewal date to recertify your Medicaid eligibility.

  • If you complete your recertification and still qualify, you don't need to do anything else. You’ll remain a Medicaid enrollee.
  • If you don’t complete your recertification by the renewal date, you will be disenrolled from Medicaid. You will need to reapply.
  • If you complete your recertification and don’t qualify, you will be disenrolled from Medicaid. You can apply for an Innovation Health individual & family health plan.
I've heard that the federal public health emergency is ending soon. Is that affecting Medicaid eligibility?

Yes. The public health emergency (sometimes called ­"PHE") was announced in March 2020, when the COVID-19 pandemic began. As part of the PHE, state Medicaid agencies continued health care coverage for people enrolled in Medicaid, even if they were no longer eligible. The continuous coverage rule ended on March 31, 2023, even though the PHE is still ongoing.

Do I still get to keep my Medicaid coverage as long as the PHE continues?

The continuous coverage rule ended on March 31, 2023. So even if the PHE continues, you will need to show you’re still eligible for Medicaid. Your state will send you a renewal letter 45 to 30 days before your renewal date to recertify your Medicaid eligibility. Be sure to complete it and return it by the deadline. You can learn more about your state's eligibility requirements on the Medicaid website.

Coverage options

Other health coverage is available to you

What‘s the difference between Medicaid and ACA coverage? 

Both Medicaid and ACA coverage provide health insurance to millions of Americans. However, these two types of coverage are often confused. We’ll explain some of the differences here. 

Medicaid 

Medicaid is a government program. It provides health insurance to eligible low-income adults, children, pregnant women and people with disabilities. The coverage is based on financial need. Medicaid is different in each state. That means your eligibility depends on where you live. 

ACA plans 

Affordable Care Act (ACA) plans are offered through the Health Insurance Marketplace® and private health insurance companies, like us. Anyone who is a U.S. citizen, national or lawfully present, can get ACA coverage, no matter your income. And you can’t be denied coverage, or charged more for coverage, for a previous health problem. For more eligibility information, check out this quick guide to the Health Insurance Marketplace

ACA plans are a great option for you if:

  • You don’t qualify for Medicaid coverage 
  • You recently lost your Medicaid coverage 
  • You don’t have health coverage through your job 

ACA plans cost more than Medicaid. The great news is financial help is available to make your ACA plan more affordable. In fact, you may be able to qualify for a $0* or low plan premium. check out this quick guide to the Health Insurance Marketplace What do Affordable Care Act (ACA) plans cover? Every ACA health plan covers a minimum of 10 essential benefits. This includes prescription drugs, maternity and newborn care, mental health and more. 

What do Affordable Care Act (ACA) plans cover? 

Every ACA health plan covers a minimum of 10 essential benefits. This includes prescription drugs, maternity and newborn care, mental health and more. 

Find the full list of covered essential benefits.

Shopping for plans

You can shop for a health plan today

 

How can I explore Innovation Health individual & family plans?

Open Enrollment starts November 1.  It’s the perfect time to explore your plan options so you’re covered in 2024. To get started, enter your ZIP code below.

Start here to find an affordable plan

Great news — we’ve got plans for you

Visit our simple shopping site to get coverage for 2022 and see if you qualify for financial help.

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan

We’re not in your area … yet

We’ve got plans to bring our ACA individual and family plans to more areas. For now, we want to make sure you’re covered.

Had a big life change? You can still get coverage for 2022. Visit the Health Insurance Marketplace® to shop for plans and see if you qualify for financial help.

Remember to visit the Marketplace on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan on HealthCare.gov

Great news — we’ve got plans for you through our relationship with Banner|Aetna

That means you can sign up for ACA individual coverage through Banner|Aetna. Visit their website to check out plan features, shop 2022 plans and see if you qualify for financial help.

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan on BannerAetna.com

Great news — we’ve got plans for you through our relationship with Aetna CVS Health

That means you can sign up for ACA individual coverage through Aetna CVS Health. Visit their website to check out plan features, shop 2022 plans and see if you qualify for financial help.

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan on AetnaCVSHealth.com

How do I know which plan is right for my budget?

Every ACA plan is assigned a metal tier: Platinum, Gold, Silver or Bronze. All plans offer the same quality of care. The metal tier is based on how you and your plan split the costs. Understanding plan levels and costs can help you pick the right plan for you.

Will I qualify for a subsidy?

When you apply for an Affordable Care Act (ACA) plan, you may qualify for a premium tax credit (sometimes called a subsidy). This can lower your monthly premium or even give you a $0 monthly premium.* Other assistance may also be available. You can visit the Health Insurance Marketplace® to check if you might be eligible for a lower monthly premium before you shop.

Connect with us. We’re here to help.

Speak with a licensed agent

Count on us. We’ll help answer all of your questions so you can choose the best plan for your health care needs.

1-844-383-6133 (TTY:711)
Call Monday – Friday, 8 AM to 9 PM ET.

* FOR $0 PLAN PREMIUM: Exclusions and limitations apply

 

Now that’s innovation

Innovation Health is transforming the health care journey. Through innovative programs, coordinated care, and remarkable access, our health plans are personalized to fit our members’ needs. Discover how we are helping members achieve their health ambitions right in their community.

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Legal Notices & Privacy Policies

Health plans are offered and/or insured by Innovation Health Plan, Inc. (“Innovation Health”). Innovation Health® is the brand name used for products and services provided by Innovation Health Plan, Inc. Innovation Health Plan, Inc. is an affiliate of Aetna Life Insurance Company and its affiliates (Aetna). Aetna provides certain management services to Innovation Health. Aetna, CVS Pharmacy® and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health® family of companies.

This material is for information only and is not an offer to contract. An application must be completed to obtain coverage. Rates and benefits vary by location. Providers are independent contractors and are not agents of Innovation Health. Provider participation may change without notice.

Language Assistance Language assistance can be provided by calling the number on your member ID card. For additional language assistance: Español | 中文 | Tiếng Việt | 한국어 | Tagalog | Pусский | العربية | Kreyòl | Français | Polski | Português | Italiano | Deutsch | 日本語 | فارسی | Other Languages…