How to apply & enroll

How to apply if your income is too high for tax credits

Still need health coverage for 2023?
Open Enrollment is over. You can still get 2022 health insurance if you qualify for a Special Enrollment Period due to a 
life event
 like losing other coverage, getting married, or having a baby.
If you don't qualify for lower costs on a health plan because your income is too high, you can still buy health coverage through the Health Insurance Marketplace®. To apply, create an account or log in to your existing one.
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

Don't qualify for savings? Other ways to buy a health plan

  • 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 using our Find Local Help tool.
  • 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.