What if I don’t have Medicare or Medicaid?
If you don’t have Medicare, Medicaid or affordable coverage through an employer, you may be able to get health insurance through the Health Insurance Marketplace.
Marketplace plans are available through HealthCare.gov or your state’s Marketplace.
Financial help may be available
Depending on your income and household size, you may qualify for financial help paying for Marketplace coverage.
The amount of financial help can change from year to year. Always update your income and household information when you apply or renew your coverage.
Before choosing a health plan, ask about:
Eye examinations
- Is a comprehensive eye examination covered?
- How often?
- Do I need to use a particular provider?
Eyeglasses and contacts
- Are glasses covered?
- Are contact lenses covered?
- Is there an annual allowance?
- Are there limits on frames or lenses?
Eye disease
- Are visits to an ophthalmologist or optometrist covered?
- Are diagnostic tests covered?
- Are eye injections or other treatments covered?
- Are there prior authorization requirements?
Medications
- Are my eye medications on the plan’s formulary?
- What will I pay?
Providers
- Does my eye doctor accept this plan?
- Is the practice in-network?
Access
- How far will I have to travel?
- Can I get an appointment when I need one?
More about how eye care is covered by each type of insurance.
Information on this page was reviewed and updated in October 2026.
