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How to apply & enroll

How to apply if your income is too high for the premium tax credit

Notice:
Get health coverage now if you qualify for: 
  • A
    due to a life event or based on your income.
  • Free or low-cost coverage through
    or the
    .
If you don't qualify for the premium tax credit on a Marketplace plan because your income is too high, you can still apply for health coverage through the Marketplace. To apply, create an account or log in.
You can also get insurance other ways — through a private insurance company, an online insurance seller, or an agent/broker.

Quick check: Find out if you can save

Other ways to get health coverage

If you don’t qualify for savings, you can apply for health coverage:
  • Directly from an insurance company. You can contact any health insurance company and find plans available in your area. Many have websites that let you compare all plans they sell.
  • Through an insurance agent/broker. Generally, agents work for a single health insurance company, while brokers sell plans from several. Both can help you compare plans and enroll. You don't pay more by using an agent/broker. They're generally paid by the insurance company whose plans they sell. They may sell only certain companies' plans. Search for health insurance agents and brokers near you.
  • From an online health insurance seller. These services offer health plans from a number of insurance companies. They let you compare prices and features and then enroll with the insurance company. They may not offer all plans available in your area.