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Health Plans and Premiums

Use these simple steps to find health plans in your county and figure your monthly Basic Health premium. This information is updated twice a year when Basic Health's income guidelines or health plan premiums change.

Your premium is based on your gross family income (before taxes and other deductions). If you are self-employed, Basic Health will use a 12-month history of your income and expenses. Other income will be calculated using our "income averaging" method or your income for the most recent 30 days or complete calendar month, whichever will be more accurate. To qualify, your family income must meet Basic Health's income guidelines.

All health plans in Basic Health offer the same basic benefits, but monthly premiums, providers, and some details of coverage vary (such as which prescription drugs or preventive care services are covered). Premium differences have to do with the rates health plans charge to cover their costs. Please be aware that this only gives monthly premium amounts. See Understanding Basic Health for information on copays, coinsurance, deductible, and out-of-pocket costs.

If you are eligible for free or purchased Medicare, you are not eligible for Basic Health. For information on benefits and eligibility, or help in choosing a health plan, see Understanding Basic Health.