Health Care Options
Health Care Coverage Options for AmeriCorps State and National Members
The content below is applicable to full-time AmeriCorps members serving in programs receiving AmeriCorps State and National grants. If you have specific questions that aren't answered below, please follow up with your program manager. (This information does not apply to members enrolled in AmeriCorps VISTA, AmeriCorps NCCC, Professional Corps or Education Award Only grant programs).
For AmeriCorps NCCC members, please see: AmeriCorps Healthcare Benefits Plan and Affordable Care Act.
Overview: Healthcare - What Are Your Options?
It is important that all AmeriCorps members have information to help you learn what health care coverage is available to you so you can choose what works best for you. Your options might be different depending on your program or the state where you are serving. Please review the following information, and be sure to discuss this with your program. Whether you are already serving or just beginning your service, you should review this essential information.
- Family health care coverage: Under the Affordable Care Act, you can stay on your parent’s health insurance policy until your 26th birthday. You can also remain on your parent’s plan if you are married, not living with your parent(s), attending school, or not financially dependent on your parent(s). For more information about this option, please see: https://www.healthcare.gov/can-i-keep-my-child-on-my-insurance-until-age-26/. In addition, if you are married you may be able to get coverage on your spouse’s plan.
- Health care coverage purchased through the Health Insurance Marketplace: You may be eligible to obtain health care coverage through the Health Insurance Marketplaces where you are serving, and you may qualify for financial assistance to lower the costs of insurance. In some cases, insurance may be available with no monthly premium. Learn more at HealthCare.gov. In addition, your program may be able to help you pay for coverage you obtain through the Health Insurance Marketplace. If they do so, this assistance may be considered taxable income.
- Medicaid coverage: Under the Affordable Care Act, some states expanded their Medicaid program. Depending on the amount of your stipend and where you serving, you may be eligible for Medicaid. For more information, please see: HealthCare.gov.
- Health plan offered by your AmeriCorps Program: Full-time AmeriCorps members must be offered insurance through their programs. For more information about the plan offered by your program, please confer with your program manager.
Medicaid and the Marketplace
Will I qualify for free or reduced price health insurance?
- Under the Affordable Care Act, some states expanded their Medicaid program. Eligibility depends on your state and is based on your income. Single individuals with incomes up to approximately $15,000 per year may qualify for Medicaid. For example, if your living allowance is below a certain income level and you do not have other income, you may be eligible for Medicaid. The income level varies by family size, other family members’ income, and other factors. To see if you qualify for Medicaid, please visit: https://www.healthcare.gov/do-i-qualify-for-medicaid/.
- You can also find a private health insurance plan through the Health Insurance Marketplace. Based on your income you can qualify for lower costs on your monthly premiums, and may even be able to find a plan with no monthly premium. Financial assistance is based on your income, and a single individual with incomes below about $46,000 per year may qualify.
My AmeriCorps is an interactive portal for members and alumni to find information about their service and benefits.