- Marketplace Overview
Am I eligible for coverage in the Marketplace?
Most people are eligible for health coverage through the Health Insurance Marketplace.
To be eligible for health coverage through the Marketplace, you:
- must live in the United States
- must be a U.S. citizen or national (or be lawfully present). Learn about eligible immigration statuses.
- can't be currently incarcerated
If you have Medicare coverage, you’re not eligible to use the Marketplace to buy a health or dental plan. Learn more about your options if you have Medicare.
U.S. citizens living outside the U.S.
U.S. citizens living in a foreign country for at least 330 days of a 12-month period are not required to get health insurance coverage under the Affordable Care Act for that 12-month period. If you're uninsured and living abroad under this definition, you don't have to pay the fee that other uninsured U.S. citizens may have to pay.
See question 12 on this IRS document to learn more about the rules for people living abroad.
Generally, health insurance coverage in the Marketplace covers health care provided by doctors, hospitals, and medical services within the United States. If you're living abroad, it's important to know this before you consider buying Marketplace insurance.
Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)
More Questions: Marketplace Eligibility
How is “live in the United States” defined?
If you’re considered a “resident” of the United States for tax purposes, you’re eligible to use the Marketplace.
Who is considered a U.S. national?
A U.S. national is a U.S. citizen or a non-citizen who owes permanent allegiance to the U.S. (like people born in American Samoa or Swains Island).
What if I’m a resident of a U.S. territory?
U.S. territories can decide whether to create their own Health Insurance Marketplace or expand Medicaid coverage. Residents of a U.S. territory aren't eligible to apply for health coverage using the federal or state Marketplace unless they also qualify as a resident within the service area of a Marketplace.
Residents of U.S. territories are not required to have health coverage under the health care law.