Health Insurance Literacy Resource Hub

Welcome! Below are digital tools, fact sheets and other handouts, and videos to help fill gaps in health insurance literacy among consumers and assisters. These materials have been sent to Enroll America by a variety of enrollment stakeholders.

This Resource Hub is a mechanism to foster collaboration among enrollment stakeholders and to create a one-stop-shop so organizations do not have to reinvent the wheel. Posting of materials does not indicate an endorsement by Enroll America. Resources that have been consumer-tested will be prioritized for posting. To have materials added to this webpage, please email csoberanis@enrollamerica.org.

“Health Insurance Literacy measures the degree to which individuals have the knowledge, ability, and confidence to find and evaluate information about health plans, select the best plan for their financial and health circumstances, and use the plan once enrolled.”
— Measuring Health Insurance Literacy: A Call to Action, Consumers Union, February 2012.

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About Health Insurance Literacy

Choosing a Plan

  • Answer My Questions: Condition-Specific Patient Resources

    By National Health Council

    • Direct to Consumer
    • Disease-Specific

    A round-up of resources with condition-specific information on the health insurance marketplaces.

  • Applying for a Marketplace Plan if You Can Get Health Insurance Through Your Job

    By Families USA

    • Direct to Consumer
    • Fact Sheet

    This fact sheet helps consumers decide whether their employer-based health insurance or a marketplace plan would better suit their needs, and how their eligibility for financial assistance may be impacted.

  • Buying Children's Dental Coverage Through the Marketplace

    By Families USA

    • Direct to Consumer
    • Fact Sheet

    This fact sheet shows how consumers can purchase children’s dental coverage via the marketplace.

  • Choosing a Health Plan You Can Afford

    By Families USA

    This fact sheet provides consumers with guidance on how to pick a health plan they can afford and explains what costs they will and won’t be responsible for with a health insurance plan.

  • Choosing the Health Plan That’s Right for You

    By Families USA

    This fact sheet provides consumers with the information they need to pick the right health plan for their needs.

  • Consumers’ Checkbook: Illinois Marketplace Plan Comparison Tool

    By Center for the Study of Services

    • Digital Tool
    • Direct to Consumer
    • State-Specific

    This site allows consumers to input some basic information about their household and compare plans available on the Illinois marketplace. It breaks down the cost of each plan, shows consumer plan ratings and doctor availability, and provides an estimate for how much financial assistance a consumer could be eligible for.

  • Explore My Options

    By National Health Council

    • Digital Tool
    • Direct to Consumer

    An interactive tool that helps people understand how unexpected health needs can affect out-of-pocket costs under different metal levels of health plans, so they can make the choice that best fits their needs.

  • Free Enrollment Assistance Tools

    By Consumer Reports

    These ten downloadable PDFs provide consumers with easy-to-understand information about key health insurance terms and how to use or shop for coverage. 

  • Further Empowering Consumers to Make Informed Health Insurance Choices

    By Kansas State Research and Extension

    • Worksheet

    These educational materials give educators a wide variety of tools to increase the knowledge, ability, and confidence of consumers who are selecting health insurance plans. The flexible curriculum includes PowerPoints, lesson plans, and resources for settings that vary from two-hour workshops to short 30-minute presentations.

  • Get Covered America Plan Explorer

    By Get Covered America

    • Digital Tool
    • Direct to Consumer

    This free embeddable digital tool gives user clear, personalized estimates of how much different marketplace plans would cost them in a year, and shows which providers are covered by which plans.

  • Get Ready to Apply for or Renew Your Health Insurance Marketplace Coverage

    By CMS

    • Fact Sheet

    This fact sheet includes a checklist for consumers of the information they will need to have ready before applying for or renewing covering on the marketplaces.

  • Get Ready to Get Health Coverage

    This checklist lays out what consumers need to do to prepare to enroll in coverage.

  • Health Plan Worksheet: Know Your Coverage & Costs

    By American Cancer Society, Cancer Action Network

    • Direct to Consumer
    • Disease-Specific
    • Worksheet

    This worksheet guides consumers through the process of comparing different plans’ costs and coverage for providers, prescriptions, and other health care needs.

  • Health Reform FAQs

    By Kaiser Family Foundation

    • Digital Tool

    This collection of nearly 300 frequently asked questions about health insurance provides quick answers to a number of coverage topics.

  • HealthSherpa

    By HealthSherpa Insurance Agency

    • Digital Tool
    • Direct to Consumer

    This tool lets consumers compare plans side by side based on their ZIP code.

  • Marketplace Plan Comparison Worksheet

    By Center on Budget and Policy Priorities

    • Worksheet

    This tool is a worksheet developed for in-person consumer assistance staff to use when helping consumers evaluate and select a plan.

  • Medicaid Gap Handout

    By Health Literacy Missouri and Developed for Cover Missouri

    • Direct to Consumer
    • Fact Sheet
    • State-Specific
    • Worksheet

    This handout walks consumers through the Medicaid gap and includes guidance for how assisters can use the handout in their outreach and enrollment work.

  • Navigator Resource Guide

    By Center on Health Insurance Reforms

    • Fact Sheet

    This hands-on guide provides Navigators with guidance on how to communicate with consumers based on four different sets of coverage circumstances: individuals without coverage, individuals with coverage, coverage for employers, and post-enrollment issues.

  • One-Pager Plan Comparison and Subsidy Calculator Tool

    By Steve Morse

    • Digital Tool

    Consumers can compare all available plans in their state side by side and calculate how much of a subsidy they may be eligible for. This tool also gives links to the providers included in each plan.

  • Summary of Benefits and Coverage

    By Consumer Reports

    • Fact Sheet

    This resource provides an annotated version of the summary of benefits and coverage form all private health plans are required to provide consumers.

  • Tips for Choosing a Health Insurance Plan With the Best Prescription Drug Coverage for You

    By American Cancer Society, Cancer Action Network

    • Direct to Consumer
    • Disease-Specific
    • Fact Sheet

    This tip sheet gives consumers guidance on what to consider when shopping for the plan with the best prescription drug coverage for them, and gives helpful links to resources with more information.

  • Tips for Choosing the Right Health Plan

    By American Cancer Society, Cancer Action Network

    • Direct to Consumer
    • Disease-Specific
    • Fact Sheet

    This tip sheet provides consumers with helpful information on what kind of questions to consider about a health plan when shopping for coverage.

  • Understanding the Differences Between Platinum, Gold, Silver, and Bronze Plans

    By Families USA

    This fact sheet compares the benefits of different metal plans so that consumers can select the right plan for themselves and their families.

  • What to Do if You Are Uninsured After February 15, 2015

    By Families USA

    • Direct to Consumer
    • Fact Sheet

    This fact sheet explores consumers’ options to get covered and access health care in between open enrollment periods.

  • What Type of Plan is Right for Me?

    By Get Covered America

    • Digital Tool
    • Direct to Consumer

    This consumer-facing tool helps individuals understand the difference between metal levels.

Health Insurance Basics

  • CoveredU.org

    By Colorado Consumer Health Initiative

    This easy-to-use website provides a plethora of information and resources for consumers on how to both shop for and use health insurance. It also includes a dictionary of health insurance terms and directs consumers where to go if they wish to get covered.

  • Further Empowering Consumers to Make Informed Health Insurance Choices

    By Kansas State Research and Extension

    • Worksheet

    These educational materials give educators a wide variety of tools to increase the knowledge, ability, and confidence of consumers who are selecting health insurance plans. The flexible curriculum includes PowerPoints, lesson plans, and resources for settings that vary from two-hour workshops to short 30-minute presentations.

  • Get Covered Guide

    By Enroll America

    This guide breaks down all the health insurance terms that consumers need to know in clear, easy-to-understand language.

  • Glossary of Health Coverage and Medical Terms

    By CCIIO

    A more condensed glossary of health insurance terms.

  • Health Exchange Learning Portal

    By C2 Health

    • Digital Tool
    • Payment Required to Access

    This site offers a number of “train-the trainers” courses for assister organizations or assisters to purchase on a number of topics including health insurance literacy.

  • Health Insurance Basics: Key Words and Phrases You Need to Know

    By Families USA

    A glossary of health insurance terms designed to help consumers better understand how to pick the best plan for themselves and their families.

  • Health Insurance Explained: The YouToons Have it Covered

    By Kaiser Family Foundation

    This fun-yet-informative video educates consumers on the basics of health insurance, including definitions of concepts and how to access and pay for care with coverage.

  • Health Insurance Literacy Training Module

    By CMS

    • Fact Sheet

    These documents provide a comprehensive overview of health insurance literacy and how best to explain each aspect of a health insurance plan when working with consumers.

  • Health Insurance Quiz

    By Kaiser Family Foundation

    • Digital Tool
    • Direct to Consumer

    This quiz allows consumers to test their health insurance knowledge, and provides correct information when a question is answered wrongly.

  • Health Law Helper

    By Consumer Reports

    Health Law Helper is an interactive introduction to the Affordable Care Act.

  • HealthCare.gov Glossary

    By CMS

    A comprehensive glossary of health insurance terms and terms related to the ACA.

  • Healthy Young America

    By Young Invincibles

    • Digital Tool
    • Direct to Consumer

    This mobile app (available for download on the App Store) provides a simple way for consumers to find a doctor and learn about their new coverage options, and also features a premium subsidy calculator, a series of FAQs about health insurance, and a glossary.

  • Information for Immigrant Families

    By CMS

    • Fact Sheet

    These slides lay out the new health insurance options for immigrant families.

  • Meet Jack: An Intro to Health Insurance Terminology

    By Springboard for the Arts

    • Direct to Consumer
    • Glossary
    • Video

    A video with a story that explains the meaning of health insurance terms, and an online glossary listing definitions.

  • Reaching Persons Living with HIV/AIDS

    By Maricopa Integrated Health System

    • Consumer-Tested

    Maricopa Integrated Health System (MIHS), in conjunction with the Ryan White Part A, developed a curriculum in English and Spanish to increase health literacy among persons living with HIV/AIDS.  Separated into two modules, the first module addresses health care terms and enrollment. The second module addresses the importance of preventive services. For an overview of the program, and to access the pre-and-post evaluation questions, go here. To access the modules, please contact Cheri Tomlinson, cheri.tomlinson [at] mihs.org

  • The Dumbest Word Is Uninsured

    By Colorado Consumer Health Initiative

    • Direct to Consumer
    • Video

    This music video breaks down the value of having health coverage and the new options in the marketplaces.

  • Understanding Minimum Essential Coverage

    By Families USA

    • Direct to Consumer
    • Fact Sheet

    This fact sheet provides information on how consumers meet the ACA’s coverage requirement.

Premiums and Out-of-Pocket Costs

  • Calculator: See What You Qualify For

    By Get Covered America

    • Digital Tool
    • Direct to Consumer

    This embeddable calculator helps individuals and families determine their expected monthly premium payment based on basic information entered and identifies whether they may be eligible for health insurance coverage programs outside of the marketplace. When appropriate, individuals are connected to their state’s marketplace to start the application process.

  • Deciding How Much Financial Assistance to Use to Lower Your Monthly Premium

    By Families USA

    • Direct to Consumer
    • Fact Sheet

    This fact sheet provides guidance for consumers on what level of financial assistance to use to help pay health insurance premiums.

  • Estimate My Costs

    By National Health Council

    • Digital Tool
    • Direct to Consumer

    This tool helps consumers estimate their out-of-pocket costs for health care services and prescription drugs.

  • Getting to Know Affordable Care

    By C2 Health

    • Video

    Free, short videos answering common consumer questions on health insurance, including how much health insurance will cost.

  • Health Tax Credit Tool

    By Consumers Union

    • Digital Tool

    By entering some basic information, consumers can see an estimate of their premium and the financial help they might qualify for.

  • My Smart Choice Health Insurance Consumer Workbook

    By University of Maryland Extension

    • Consumer-Tested
    • Direct to Consumer
    • Fact Sheet
    • Worksheet

    This workbook provides resources on health insurance basics and serves as a budgeting tool that helps consumers understand the need to allocate funding for expenses monthly.

  • Subsidy Calculator

    By Kaiser Family Foundation

    • Digital Tool

    Using basic information entered by the consumer, this calculator helps determine expected monthly premium payments and identifies whether consumers may be eligible for health insurance coverage programs outside of the marketplace.

  • The Primary Care Association of Kansas Cost of Coverage Fact Sheets

    By The Primary Care Association of Kansas

    • Direct to Consumer
    • Fact Sheet

    These fact sheets explain how high the cost of health care can be without coverage and tell consumers how they can get covered to avoid huge health care bills.

Renewing and Keeping Coverage

Tax Credits, Exemptions, and the Fine

Using Coverage

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