What You Need to Know about Health Insurance and the American Rescue Plan








The American Rescue Plan Act of 2021 (ARP) has given more Virginians than ever access to financial help through the Health Insurance Marketplace. Virginians who have lost their jobs or work hours may also be able to keep their job-based insurance for free, through September 30, 2021.

Because of the ARP, up to 77,000 uninsured Virginians are newly-eligible for financial help to buy insurance on the Marketplace, and another 13,400 Virginians are now income-eligible for a $0/month plan with low copays and deductibles. Virginians who were eligible for unemployment for any length of time during 2021 can sign up for a $0/month plan with low copays and deductibles, regardless of their income.

  • If you or a family member already has a Marketplace plan, you will need to go back to healthcare.gov and re-enroll in that plan after April 1, to get additional financial help now. And, if you owed money back to the IRS because of your Marketplace plan in 2020, you will not have to repay it (even if you already filed your tax return).
  • If you or a family member is uninsured, you can enroll in health insurance through the Marketplace anytime between now and August 15, 2021. You can get the new financial help when you sign up.

This short video also explains insurance terms, like deductibles and provider networks. It also explains how individuals pay for coverage and get medical care and prescription drugs using their health insurance.

Need help understanding your options on the Marketplace? An Enroll Virginia Navigator can help! Call 888-392-5132, or go to enrollva.org/get-help to find a Navigator near you.

Last Updated on May 19, 2021