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On Private Health Insurance Coverage & The Health Insurance Marketplace

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues
Preguntas frecuentes sobre la inscripción a la cobertura de salud
Transitions from Medicaid to Private Insurance
Transiciones de Medicaid a seguro médico privado

QUESTION

What is a mini-med (or limited benefit) plan? What are the risks and benefits of buying one?

Individuals with no coverage | How Premium Tax Credits And Cost-Sharing Reductions Work |

ANSWER

A mini-med plan is a type of health insurance, but it comes with a low annual or lifetime dollar limit on benefits. Under the Affordable Care Act, health insurers are prohibited from selling mini-med plans to individuals. If you believe you are enrolled in or are sold a mini-med plan, contact your state insurance department. You can also call the federal toll-free help line at 1-800-318-2596 (TTY: 1-855-889-4325). (26 U.S.C. § 5000A; 45 C.F.R. § 148.220.)