Signing up for health insurance can be a little overwhelming.
Here is a step by step guide on how to sign up for health insurance using one of the government health exchanges online.
First log on to healthcare.gov and click on start here.
The site will take you through a couple of questions like:
Are you looking for your family or business?
Which state do you live in?
How old are you?
Are you already insured or buying for the first time?
Do you have any pre existing health conditions?
Who will be covered on your plan?
Once you have answered all the questions they give you a list of plans you are eligible for.
If you are single and make less than $45,000 a year or a family of 4 with a household income under $96,000 a year, you are probable eligible for lower payments.
In fact, the less money you make the more the government will help.
But you can only apply for those subsidies on the government website.
Local insurance agent Kevin Van says the government is not your only way of getting coverage.
“You can still talk to an insurance professional and they can help you with health coverage,” Van said. “You do not have to go through the website.”
If you can afford health insurance and do not sign up for it by 2014 you will have to pay a penalty fine from the government.
The fine starts around 1% of your income for the first year and goes up each year after.If you are having trouble with the website you can also call 1-800-318-2596