Insurance Enrollment

Perhaps the most common misconception about HAAM is that we are an insurance company. We are not, but we do help members navigate insurance enrollment on healthcare.gov.  Most HAAM members sign up for government-subsidized healthcare.gov plans with HAAM’s assistance and generally, this is done during Open Enrollment, Nov 1- Dec 15.  If you're currently uninsured, we want you to contact us so we can talk through options.

Premium Assistance

HAAM also helps members pay for their insurance. To qualify for this assistance, HAAM members can sign up for ACA Marketplace insurance plans on Healthcare.gov where they utilize government subsidies to reduce their monthly premiums. HAAM then steps in and helps members pay for their remaining monthly premiums through our Premium Assistance Program.

HAAM has two funding sources for Premium Assistance where we can cover between 50-100% of premiums. Eligibility varies from member to member based on address, income, and family size (see below for more details). Premium Assistance funding is awarded on a first-come, first-served basis during Open Enrollment and frequently runs out during that time. 

Each HAAM member must re-apply for Premium Assistance annually, during your Insurance Enrollment appointment, and will be awarded assistance based on available funding and eligibility. 

Central Health Premium Assistance Program (CH PAP)

Central Health is a tax-funded Travis County entity that pays 100% of the monthly premiums for members who enroll in the qualifying Marketplace plan (Sendero Idealcare Silver).

Eligibility

  • Income: 100-200% Federal Poverty Level (see chart)

  • County: Travis County 

  • ACA insurance plan: Sendero Silver plans ONLY

  • Benefit: Covers 100% of the monthly premium after Premium Tax Credits are applied

  • Funded by: Central Health

HAAM Premium Assistance Program (HAAM PAP)

Funded by HAAM fundraising dollars & other supporters, this program pays 50% of the monthly premiums for members who enroll in a qualifying Marketplace plan, depending on their circumstances.

Eligibility

  • Income: 100-400% Federal Poverty Level (see chart)

  • County: Any county in HAAM’s service area

  • ACA insurance plans: Qualifying Silver plans (varies each year)

  • Benefit: Covers 50% or $200/month of the monthly premium, whichever is less, after Premium Tax Credits are applied

  • Funded by: HAAM fundraising and other supporters

Once you’ve enrolled in insurance, HAAM is here to help you use it. Head to our Health Insurance page for more information.