Organizing for Action

GET TALKING

Want help talking to your friends and family members about signing up for health coverage? Make sure you have a plan for when, where, and how you’ll talk to your family about health insurance. Here are a few tips to help you prepare.

PLAN YOUR TALK

Take a moment to plan when, where, and how you’ll talk to your family about health insurance.

START THE CONVERSATION

Here are some tips on talking to your family about how to sign up and how to answer common questions.

Pledge to have the talk

Make a pledge to have a conversation with your family about health insurance.

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PLANNING YOUR HEALTH CARE TALK

Make sure you have a plan for when, where, and how you’ll talk to your family about health insurance. Here are a few tips to help you prepare.

Clock

Pick A Time And Place

Start early:Don’t wait until the last minute—be sure to start the conversation early!

Integrate the talk into family time:Take advantage of downtime after meals or between activities to start your talk.

Find a quiet place to shop:You can start your conversation anywhere, but to shop for health coverage, you will want a more quiet, private place to make a phone call or use the Internet.

Talk

THINK ABOUT HOW YOU’LL BRING IT UP

Make it personal:Be honest about your feelings and why this is important to you.

Get creative:Think about what matters to your family member. Make it memorable!

Be persistent, but keep it positive:Tell them you care about their health, and focus on the benefits that come from knowing that you have health insurance.

Double Check

DOUBLE CHECK

Here are some common things to think about before getting started:

Your budget:What is your budget? How much can you afford to pay each month for health coverage? Remember assistance might be available to help pay for your coverage.

Existing insurance:Is health insurance currently offered through your job?

Current costs:If you do currently have coverage, what are your costs?

Coverage goals:What kind of coverage are you looking for? There are lots of options based on what you want and how much you want to pay.

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CONVERSATION TIPS

Start by asking:“Have you thought about signing up for health insurance on the new marketplace?”

Offer to walk them through it:“Would you like to take some time with me to sign up right now?”

Ask them to make a plan, and commit to it:“When do you plan on signing up?”

Don’t forget to follow up:“Have you signed up yet?”

WHAT YOU’LL NEED

In order to shop on the new health insurance marketplace, you’ll need to have a few basic pieces of information with you:

Your Social Security Number

Information about your employer and income&emdash;either a pay stub or a copy of your most recent W-2 tax form

If you currently have health insurance, you’ll need your health insurance card or paperwork that includes a health policy number

What’s Important to Communicate:

  • Being covered helps you stay healthy and protects you in an emergency.
  • You can find a plan that fits your budget—financial assistance is available for those who qualify.
  • You get to choose the plan that’s right for you.
  • All the health insurance plans on the new marketplace provide free preventive care—including routine checkups, vaccinations and screenings.
  • You can’t be denied insurance because of a preexisting condition, and lifetime limits are now banned, so your insurance will be there when you need it.
  • This year's March 31st enrollment deadline has passed, and enrollment for health plans that start in 2015 will open this fall.

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COMMON MISCONCEPTIONS

Misconception:I’m healthy, so I don’t need health insurance.

Tell them:That may be true but accidents happen and we all need to be prepared. Health insurance provides you the security of knowing you’re covered in an emergency.

Misconception:Insurance will be too expensive for me.

Tell them:There are a variety of plans available in the new health insurance marketplace, so you can pick one that fits your budget. There’s also financial assistance available based on how much you make. In fact, almost 6 in 10 uninsured Americans may be able to get coverage for $100 a month or less.

Misconception:It’s too complicated.

Tell them:The marketplace gives you an easy way to find plans, compare them and sign up for the one that’s right for you. You don’t have to complete the process all in one sitting, and you can do it over the phone, online, or in person.

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Pledge to have the talk

Make a pledge to have a conversation with your family about health insurance.