The U.S. healthcare “system” is a “hodge podge” of programs.

Employer-Based Commercial Insurance Privately Purchased Commercial Insurance Public Insurance
Medicaid SCHIP Medicare
Birth - 6 Dependent of working parent covered by employer (must be in college if over 18) Dependent of parent buying insurance directly from insurance company (must be in college if over 18) Dependent of parent living in poverty for family size (<133% FPL) Child dependent of parent living in poverty for family size (<200% FPL in 22 states)(>200% FPL in 28 states and D.C) N/A Eligible if permanently disabled or have end-stage renal failure
Age 6-19 Dependent of parent living in poverty for family size (<100% FPL)
Age 18-25 May be covered as dependent college student if state allows Covered if pregnant mother (<200% FPL in 22 states) (>200% FPL in 28 states and D.C.)
Age 25-65 overed orker articipating employer-ponsored ealth plan Paw.P Buying insurance directly from insurance company Eligible as adult relatives or legal guardians who take care of children under age 18 (or 19 if still in high school)(<60% FPL) or blind/disabled and receiving SSI
Age 65- death N/A N/A Maybe dually eligible as elderly in poverty. Medicaid will pay Medicare premiums. N/A Covered as elderly
THINGS TO KNOW IF YOU HAVE INSURANCE // 13