In this booklet Page Introduction to the Guide . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Changes and Choices. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Frequently Asked Questions About Health Insurance. . . . . . . . . . . . . 3 1. Why do you need health insurance? . . . . . . . . . . . . . . . . . . . . . . . 3 2. How do you get health insurance?. . . . . . . . . . . . . . . . . . . . . . . . . 3 3. Which type of health insurance is right for you?. . . . . . . . . . . . . . 5 4. What is consumer-directed coverage? . . . . . . . . . . . . . . . . . . . . . 11 5. How does Medicare coverage work? . . . . . . . . . . . . . . . . . . . . . . 14 6 What other government programs are available? . . . . . . . . . . . . . 18 7. Are there other types of health-related coverage?. . . . . . . . . . . . . 20 8. What happens if you have a preexisting condition? . . . . . . . . . . 22 9. What happens if you have health insurance through your employer and you leave your job?. . . . . . . . . . . . . . . . . . . . . . . . 23 In Closing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Resources for More Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29