Health Insurance Blog - Healthcare.gov

2019 tax season is here! Here’s how to prepare

Healthcare.gov — Thu, 16 Jan 2020 00:00:00 -0500

Attention: 2019 tax filing season has started. Here’s what you can do now to get ready.

3 steps to get ready for 2019 tax filing:

Look for Form 1095-A.
- If you or anyone in your household had a 2019 Marketplace plan, you’ll get Form 1095-A, Health Insurance Marketplace Statement in the mail by early February. It comes from the Marketplace, not the IRS.
- It may also be available online in your HealthCare.gov account.
Check Form 1095-A for accuracy.
- You’ll use Form 1095-A to "reconcile" your premium tax credit if you used advanced payments of the premium tax credit to lower your monthly premium payment, so it’s important the information on it is correct. If you file with an incorrect version, you may need to file an amended return later.
- Confirm things like your coverage and household information, monthly enrollment premium, and “second lowest cost Silver Plan” (SLCSP).
- If you find errors, contact the Marketplace Call Center. We’ll send you an updated copy. Wait to file until you have it.
Use your correct 1095-A to “reconcile.”
- Now that you have an accurate 1095-A and second lowest cost Silver plan premium, you’re ready to fill out Form 8962, Premium Tax Credit.
- See this step-by-step guide to reconciling for next steps.

Take advantage of free preventive services in 2020

Healthcare.gov — Thu, 02 Jan 2020 00:00:00 -0500

With Marketplace coverage, you have access to free preventive services, like flu shots, check-ups, and screening tests. Getting these recommended services is an important step toward good health and well-being.

What are preventive services?

Preventive services are routine health care procedures, like screenings, check-ups, and counseling to prevent illnesses, disease, and other health problems.
Taking advantage of these free services can help detect illness early, when treatment is likely to work best, so talk to your provider about what’s right for you.
Note: Preventive services are free only when provided by a doctor or other provider in your plan’s network. (A network is the facilities, providers, and suppliers your health insurer has contracted with to provide health care services. Contact your insurance company to see which providers are “in-network.”)

Where can I learn more?

Get more information on preventive and wellness services, including chronic disease management.
See specific lists of preventive services for adults, women, and children.

Now that you’re covered for 2020, don’t forget to pay your premium

Healthcare.gov — Thu, 19 Dec 2019 00:00:00 -0500

Congratulations on your enrollment in a 2020 Marketplace plan! Now that you’re covered, don’t forget to pay your monthly premium to your health insurance company (not the Marketplace) to activate your coverage. Your coverage won’t start until you do.

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If you don’t, your insurance company could end your coverage.{% endbox %}

Can I pay my premium online?

It depends. Each insurance company handles premium payments differently, so follow your plan’s instructions carefully. If you have the option to pay online, follow these steps:

Log into your Marketplace account.
Choose your application under "Your Existing Applications."
Click the blue button "Pay Your First Health Insurance Monthly Premium."
Choose the green button "Pay for Health Plan Now" to go to your insurance company’s website to pay.

Not sure you’ve paid?

Find out if your health insurance is active by checking your online Marketplace account.
If you think you're enrolled but have questions about your plan, contact your insurance company. You can also check your plan materials. Your plan should send you a membership package with enrollment materials and a health insurance card.

2020 Open Enrollment is over, but you may have options

Healthcare.gov — Mon, 16 Dec 2019 00:00:00 -0500

Marketplace Open Enrollment for 2020 coverage ended December 15. If you missed the deadline, you may still be able to get or change 2020 coverage two ways:

With a Special Enrollment Period

Since the 2020 Open Enrollment Period is over, you can now enroll in or change a Health Insurance Marketplace plan only if you have a life event that qualifies you for a Special Enrollment Period.
A change in your situation, like getting married, having a baby, or losing health coverage, may make you eligible.
Answer a few questions to see if you may qualify.

Through Medicaid or the Children’s Health Insurance Program (CHIP)

Medicaid and CHIP provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities.
You can apply for either program any time, all year. If you qualify, you can enroll immediately.
Select the second button and answer a few questions to see if you may qualify.

Learn more about your health insurance options outside Open Enrollment.

Last chance: The 2020 Open Enrollment deadline is days away!

Healthcare.gov — Thu, 12 Dec 2019 00:00:00 -0500

Time’s running out for 2020 Marketplace insurance! Open Enrollment for 2020 Marketplace insurance ends Sunday, December 15. This means you have only 3 days to enroll in, re-enroll in, or change a 2020 Marketplace plan.

Act now for coverage that starts January 1

First time applying at HealthCare.gov? Create an account.
Have 2019 Marketplace coverage? Log in to update your application and compare plans for 2020. If you don’t, you could miss out on new plans, and any savings could be wrong. This means you could end up paying more for your monthly premium or owing money on your federal taxes.

Need enrollment help?

See tips on choosing the best plan for you.
Get help logging in.
Connect in person with someone in your community.

Time’s running out! Update & compare Marketplace plans by December 15

Healthcare.gov — Thu, 05 Dec 2019 00:00:00 -0500

If you enrolled in Marketplace health insurance for 2019, you can renew, change, or update your plan for 2020 until Sunday, December 15, 2019. That’s less than 2 weeks away! If you miss the deadline, you may be automatically enrolled for 2020, but that’s not your best option.

Why update & compare for 2020 — even if you want to keep the same plan

New, affordable plans may be available this year. Just like people, plans and prices change every year. You may find 2020 plans with coverage and features that better meet your needs, especially if you’ve had or expect income or household changes.
Get the right amount of financial help for 2020. Savings are based on your expected income for 2020 (not 2019). If your information isn’t current, your premium tax credit and other savings could be wrong. This means you could end up paying more for your monthly premium or owing money on your federal taxes.
Sometimes you won't be automatically enrolled. You should enroll in an available plan by December 15, 2019 to be on the safe side.

How to change or renew 2020 coverage

Log in to update your application with your expected 2020 income and household information.
Compare your current plan with other available 2020 plans. If you want to keep your same plan, you should still update your information and check out all the plans available to you. If you don’t, you could miss out on savings and a plan that better meets your needs.
Learn more about changing and renewing coverage for 2020.

Why enroll in 2020 Marketplace coverage

Healthcare.gov — Thu, 21 Nov 2019 00:00:00 -0500

You may think you don't need health insurance, that it's too expensive, or not worth the trouble. While nobody plans to get sick or hurt, bad things happen, even to healthy people. The good news is that enrolling in a 2020 Marketplace health plan may be more affordable and easier than you think. You have until December 15, 2019 to sign up. Coverage starts January 1, 2020.

You may be eligible for savings

With one application, we’ll tell you if you qualify for savings that can make Marketplace insurance less expensive, or free or low-cost health coverage through Medicaid or the Children’s Health Insurance Program (CHIP).
If you’re not quite ready to apply, you can get a quick idea if you’ll save based on your household size, state, and 2020 income estimate.

Applying can be fast & simple

If you're single or have a pretty straightforward family situation, applying and finding out what savings you qualify for won't take much time at all.
Help is also available. See the different ways to get enrollment assistance.

Only one month left to enroll in or change 2020 Marketplace coverage!

Healthcare.gov — Thu, 14 Nov 2019 00:00:00 -0500

Don’t delay: 2020 Open Enrollment ends December 15, 2019! This means you have just over one month to enroll in or change Marketplace health insurance for coverage starting January 1, 2020.

Act now & apply

See the different ways to apply for and enroll in 2020 coverage.
If you’re new to HealthCare.gov, create an account. If you already have one, just log in to start or update your application.
If you miss the deadline, the only way you’ll be eligible to enroll in or change your health plan for 2020 is if you qualify for a Special Enrollment Period.

Enrollment help is available

Search by your city and state or ZIP code to connect with local people and organizations.
Call the Marketplace Call Center. Representatives are available most days, except certain holidays, to support your enrollment needs.
Get quick answers to the most common enrollment questions.

Quickly find your 2020 Marketplace costs

Healthcare.gov — Thu, 07 Nov 2019 00:00:00 -0500

Open Enrollment for 2020 health insurance is here and ends Sunday, December 15, 2019. Find out in a matter of minutes what your costs may be by answering a few easy questions about you and your household. You don’t even have to log in.

Will I save on a 2020 Marketplace plan?

Select your household size, state, and estimated 2020 income range to see if you may qualify for Marketplace savings.
We’ll also tell you if you’re eligible for free or low-cost health coverage through Medicaid or the Children’s Health Insurance Program (CHIP).
Note: This tool is just an estimation. You’ll learn your exact savings when you fill out an application.

Find out exact costs & savings when you apply

If you’re new to HealthCare.gov, create an account to get started. If you already have one, just log in to start or update your application.
Need enrollment support? Connect with someone who can help.

The 2020 Health Insurance Marketplace is open for business!

Healthcare.gov — Fri, 01 Nov 2019 00:00:00 -0400

Starting today, November 1, you can apply for new 2020 health insurance, or renew, change, or update your 2019 health plan for 2020.

{% box %} Important: You have until Sunday, December 15 to enroll, re-enroll, or change your coverage for 2020. After this date, you can enroll or change only with a Special Enrollment Period. Coverage under plans sold during Open Enrollment starts January 1, 2020. {% endbox %}

How to apply

You can apply at HealthCare.gov or through certified enrollment partner websites, by phone, with the help of a trained assister in your community, through an agent or broker, or with a paper application.
See the different ways to apply for 2020 health insurance.

Not quite ready? See plans & prepare

Preview 2020 plans, with price estimates based on your income. You’ll see exact prices later on when you fill out or update your Marketplace application.
Use this checklist (PDF) to gather the information you'll need.
See what counts as income, and learn who to include in your household.

Preview 2020 plans and prices today!

Healthcare.gov — Fri, 25 Oct 2019 00:00:00 -0400

You can enroll in or renew a 2020 plan November 1 through December 15. You can start by previewing 2020 plans with personalized estimates. Note: You’ll see exact prices later on when you fill out or update your Marketplace application.

How to preview 2020 plans & prices

Answer a few brief questions about your estimated 2020 income and household to see available health insurance plans and estimated prices.
Get help estimating your income.

Things to know about picking a plan before Nov. 1

Healthcare.gov — Thu, 17 Oct 2019 00:00:00 -0400

Before you apply for 2020 Marketplace health insurance starting November 1, there are several things to consider that’ll help you choose the plan that’s right for you.

The 4 “metal” categories

There are 4 categories of health insurance plans: Bronze, Silver, Gold, and Platinum.
These categories show how you and your plan share costs. Plan categories have nothing to do with quality of care.
Get more information on Marketplace health insurance categories.

Health insurance plan & network types

Different types of Marketplace health insurance plans are designed to meet different needs. Some plans restrict your provider choices or encourage you to get care from the plan’s network of doctors, hospitals, pharmacies, and other medical service providers. Other plans pay a greater share of costs when you use providers outside the plan’s network.
Get familiar with the different plan types you’ll find in the Marketplace.

Total health care costs

Consider your total health care costs, not just the monthly premium. Other out-of-pocket costs have a big impact on your total health care spending — sometimes more than the premium.
Get more information on how these costs work together to make up your total spending.

See tips on choosing an insurance plan.

5 easy ways to prepare for 2020 Open Enrollment

Healthcare.gov — Thu, 10 Oct 2019 00:00:00 -0400

Open Enrollment for 2020 Marketplace coverage starts November 1, 2019. There are things you can do now to get ready, whether you’re applying for the first time or planning to re-enroll.

How to get ready to enroll — quickly and easily!

Get familiar with the Marketplace by reading these quick tips. Find answers to your most common questions.
Download this checklist (PDF) to make sure you have everything you need. When you apply, you'll be asked about your household, income, and current coverage and may need to refer to specific documents, like W-2s, pay stubs, or tax returns. Gathering what you need now will save you time later.
Make a list of questions before it's time to choose your health plan. For example, "Can I stay with my current doctor?" or "Will this plan cover my health costs when I'm traveling?" Get tips on choosing a health insurance plan.
Set your budget. There are different types of health plans for different needs and budgets. You’ll need to figure out how much you’re able to spend on premiums each month, and how much you want to pay out-of-pocket for prescriptions or medical services. See how your total costs work together.
If you're planning to renew your current coverage for 2020, review your 2019 application to make sure it's still accurate. If it's not, update it with any income and/or household changes. This will save you time when you apply because your 2020 application will be pre-filled with your 2019 information.

Less than one month 'til 2020 Marketplace Open Enrollment!

Healthcare.gov — Thu, 03 Oct 2019 00:00:00 -0400

You have less than one month until you can enroll in a 2020 Marketplace health insurance plan. Here are important dates to remember and some things you can do to get ready.

Key dates & deadlines

The 2020 Open Enrollment Period runs November 1–December 15, 2019. This means you have six weeks to enroll in or renew a plan.
Plan coverage starts January 1, 2019.

How to get ready today for November 1

Make sure you have everything you need to apply by reviewing this checklist (PDF).
Get quick tips about the Marketplace.
In late October, come back to HealthCare.gov to preview 2020 health plans and prices before you apply.

Stay ahead of the deadline with 2020 Open Enrollment reminders

Healthcare.gov — Thu, 26 Sep 2019 00:00:00 -0400

2020 Open Enrollment is almost here! You can apply for or renew your coverage November 1 through December 15, 2019. Sign up for deadline reminders, useful tips, and more so you don’t miss your chance to enroll.

3 ways to stay connected with the Marketplace

Get important email or text updates. Visit the HealthCare.gov homepage, and enter your email address under “Get Important News & Updates.” Click “Sign Up.”
Connect with someone in your community who can answer your questions. Enter your ZIP code for a list of groups and people near you. Some even offer help in languages other than English.
Find us on social media. Follow us on Twitter and like us on Facebook for late-breaking news and important updates.

Key 2020 Marketplace enrollment dates & deadlines

Healthcare.gov — Thu, 19 Sep 2019 00:00:00 -0400

Open Enrollment for 2020 Marketplace coverage is less than 2 months away! Make sure you don’t miss the deadline by adding these important dates to your calendar:

2020 important dates & deadlines

2020 Open Enrollment starts Friday, November 1, 2019.
The last day to sign up for 2020 coverage is Sunday, December 15, 2019.
Coverage for people who sign up during Open Enrollment starts January 1, 2020.

Note: All 2019 Marketplace plans end December 31, 2019, no matter when you enrolled.

Need coverage for the rest of 2019?

You may have other options to get or change coverage outside the yearly Open Enrollment Period. Answer these questions to see if you can apply or change through a Special Enrollment Period for the rest of 2019. You can also enroll in Medicaid or the Children's Health Insurance Program (CHIP) anytime. If you're eligible, coverage can begin immediately.

3 benefits Marketplace health plans must cover

Healthcare.gov — Thu, 12 Sep 2019 00:00:00 -0400

All Marketplace plans cover essential health benefits, pre-existing conditions, and preventive care. This is true for all plan categories (all “metal levels,” including Catastrophic plans) and all plan types (like HMO and PPO). Starting November 1, 2019, you can enroll in or renew a plan for 2020, so you can continue to get these benefits.

What are essential health benefits?

Essential health benefits cover doctor’s visits, prescriptions, hospitalizations, pregnancy, and more. See the full list.
These benefits are covered by all Marketplace plans. Specific services covered in each broad benefit category may vary based on your state’s requirements.

Is treatment for my pre-existing condition covered?

All Marketplace plans must cover treatment for pre-existing medical conditions. This means no insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started.
If you’re pregnant when you apply, an insurance plan can’t reject you or charge you more because of your pregnancy.

Are preventive health services included with Marketplace coverage?

Marketplace plans cover a set of preventive services, like shots and screening tests, which are free to you when delivered by a doctor in your plan’s network.
There are 3 sets of free preventive services for adults, women, and children. Check out the lists here.

Note: Health plans can offer other benefits, like vision, dental, or medical management programs for a specific disease or condition. You’ll see exactly what each plan offers when you compare on HealthCare.gov.

Can you get health coverage for the rest of 2019?

Healthcare.gov — Thu, 05 Sep 2019 00:00:00 -0400

Outside the yearly Open Enrollment Period, you can only enroll in or change coverage if you qualify for a Special Enrollment Period for a Marketplace plan, Medicaid, or the Children's Health Insurance Program (CHIP).

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Do I qualify for a Special Enrollment Period?

If you experience certain types of life changes — like losing health coverage, getting married, or having a baby — you may qualify for a Special Enrollment Period to enroll in a Marketplace plan for the rest of 2019.

If you know you qualify, create an account or log into an existing one to start a Marketplace application. If you’re not sure you qualify, answer a few fast questions to find out.

Do I qualify for Medicaid or CHIP?

You can apply for Medicaid and CHIP any time of year.

To apply, fill out a Marketplace application or apply directly through your state Medicaid agency. Get more information on applying for Medicaid/CHIP.

Kick off the school year with health insurance!

Healthcare.gov — Thu, 29 Aug 2019 00:00:00 -0400

Nobody plans to get sick or hurt, but unexpected things happen even to healthy young people, so it’s important to get health insurance. As a college student, you have several options for coverage:

Student health plans & other options

Purchase a student health plan: This is an easy and affordable way to get basic insurance coverage. If you’re in college, check with your school to see if they offer coverage.
Stay on your parent’s plan: You may be able to stay on or get added to your parent’s health plan until you turn 26.
Buy a Catastrophic health plan, if you qualify: If you’re under 30 and eligible to enroll in Marketplace coverage right now, you can buy a Catastrophic health plan to protect yourself from the high costs of an accident or serious illness. You’ll pay most routine medical expenses yourself.
See if you qualify for Medicaid and the Children’s Health Insurance Program (CHIP) coverage: Medicaid and CHIP provide free or low-cost health coverage to millions of Americans. If you qualify, coverage can start right away.

Even if none of these options work for you, you can apply for 2020 Marketplace coverage starting November 1, 2019. Check back soon for more information.

When can I enroll in a 2020 Marketplace plan?

Healthcare.gov — Thu, 22 Aug 2019 00:00:00 -0400

Here are some important 2020 Open Enrollment dates to mark on your calendar:

Key 2020 Open Enrollment dates

The 2020 Open Enrollment Period runs from Friday, November 1, 2019, to Sunday, December 15, 2019.
If you don’t act by December 15, you can’t get 2020 coverage unless you qualify for a Special Enrollment Period.
Plans sold during Open Enrollment start January 1, 2020.

Looking for coverage for the rest of 2019? Answer these questions to see if you can apply through a Special Enrollment Period. You can also enroll in Medicaid or CHIP any time, if eligible. Coverage can begin immediately.

New baby? See your health insurance options

Healthcare.gov — Thu, 08 Aug 2019 00:00:00 -0400

If you or anyone in your household had a baby or adopted a child within the past 60 days, you may qualify for a Special Enrollment Period to enroll in or change Marketplace health insurance for the rest of 2019.

How to apply with a Special Enrollment Period

New to HealthCare.gov? Create an account to fill out an application for the first time.
Already have Marketplace coverage? Log in to update your existing 2019 application.

When will coverage start?

When you enroll in or change plans with a Special Enrollment Period, your new health coverage can start the day your baby is born or adopted, even if you enroll in the plan up to 60 days afterward.

Note: If you adopted, you may need to submit documents, like adoption letters or records, showing the name of the person who became a dependent and the date they became one.

See the other ways you may be able to get coverage outside Open Enrollment.

Special Enrollment Periods: What you need to know

Healthcare.gov — Thu, 25 Jul 2019 00:00:00 -0400

You may still be able to enroll in health insurance or change plans for the rest of 2019 if you qualify for a Special Enrollment Period. Here are 3 things you need to know about Special Enrollment Periods:

3 tips on getting health coverage outside Open Enrollment

Certain life changes make you eligible for a Special Enrollment Period. If you experience life events, like losing health coverage, getting married, or having a baby, you may qualify to enroll or change plans for the rest of 2019. Check out the full list of events, or answer a few quick questions to see if you’re eligible.
If you qualify, you have a limited window to act. You usually have up to 60 days after the life event to enroll in a plan. If you don’t act in time, you’ll have to wait until the next Open Enrollment Period to apply for 2020 coverage (unless you qualify for another Special Enrollment Period).
When you apply for Marketplace coverage through a Special Enrollment Period, you may be asked to provide documents to confirm the events that make you eligible. You must upload them before you can start using your coverage. You have 30 days to submit.

Learn more about getting coverage outside Open Enrollment.

Did you recently move to a new state?

Healthcare.gov — Thu, 11 Jul 2019 00:00:00 -0400

Summer is a popular time for moving. If you recently moved to a new state, you can’t keep a health insurance plan from your old one. To make sure you stay covered, report your move to the Marketplace as soon as possible. This way, you can enroll in a new plan without a break in coverage and avoid paying for coverage you can’t use in your new state.

How to apply for health coverage in your new state

Moving to a new state makes you eligible for a Special Enrollment Period. This means you can enroll in new coverage or change plans even though the annual Open Enrollment Period is over.
How you apply depends on whether your new state uses HealthCare.gov or its own website. If your new state appears on this list, your state has its own website where you’ll apply.
If your state uses HealthCare.gov, follow these instructions to start a new application.

Note: If you move within the same state but new coverage options and savings aren’t available to you, update your HealthCare.gov profile anyway with your new address. This way, the correct one is on file.

Learn more about changing health insurance after moving.

This summer, put your health & well-being first

Healthcare.gov — Thu, 27 Jun 2019 00:00:00 -0400

Summer is here! Here’s how you can be more proactive with your health this season:

3 ways to maintain your health this summer

Take advantage of the preventive services offered by your Marketplace plan. Preventive services include screenings for things like cancer and depression, shots, and check-ups. Note: These services are free only when delivered by a doctor or other provider in your plan’s network.
Talk to your doctor about increasing your activity. Whether it’s going on a jog, taking your dog for a walk, or working in your garden, there are many ways to incorporate activity into your life. See other ways to increase your physical activity.
Make time for relaxation and sleep. A good night’s rest has many physical and emotional health benefits, and sleep deprivation can impact your mood and performance. Find out how much sleep you need.

Get more tips on improving your health.

Report household & income changes all year

Healthcare.gov — Thu, 13 Jun 2019 00:00:00 -0400

Has your family, job, or income changed this year? If you're currently enrolled in a 2019 Marketplace plan and experience household changes, update your application as soon as possible. These changes could impact your health coverage or the savings you’re getting.

What types of changes to report

Changes that affect your family size, like getting married or divorced, or having a baby
Changes that affect your household income, like changing jobs
Changes to the coverage that’s available to you, like becoming eligible for Medicare or Medicaid, or getting insurance through a job

Read the full list of life changes.

How to report life changes

Report changes to the Marketplace by updating your 2019 application.
Update your application online, by phone, or in person (just not by mail).
When you report a life change, you’ll get a new Marketplace eligibility notice. It’ll explain if you’re eligible for a Special Enrollment Period to change plans, get new savings, or enroll in a different kind of coverage.

Learn more about reporting changes to the Marketplace.

Calling all graduates: You likely have health insurance options

Healthcare.gov — Thu, 30 May 2019 00:00:00 -0400

Congratulations, graduates! As you set out on your next life adventure, you may have several options for health coverage.

3 ways young adults can get health insurance

With a Special Enrollment Period: If your student health plan is ending, you’re moving to a new state, or you experience other life changes, you may qualify for a Special Enrollment Period to enroll in Marketplace insurance for the rest of 2019. Answer a few fast questions to find out.
Under a parent’s plan: If your parent’s health insurance plan covers dependents, you can usually be added to their plan and stay on it until you turn 26. Learn more about getting on a parent’s plan.
Through Medicaid, if you qualify: If you’re working part time, starting a business, or otherwise are not making much money, you may qualify for Medicaid. If eligible, coverage can start right away, any time of year.

Get more information on health insurance options for young adults.

Income or household changes? Update your Marketplace application ASAP

Healthcare.gov — Thu, 16 May 2019 00:00:00 -0400

If you're enrolled in a Marketplace plan and have changes to your income or household, update your application with these changes as soon as possible. Changes like higher or lower income, adding or losing household members, or offers of other health coverage may affect the coverage or savings you’re eligible for.

What changes to report

Changes to your expected income for the year
Changes in health coverage, like someone in your household getting an offer of job-based insurance
Changes to your household or family, like a birth, adoption, or moving to a new address
Corrections to name, date of birth, or Social Security number
Changes in disability or tax-filing status

Check out the full list.

How to report changes

Update your application online, by phone, or in person — but not by mail. Here’s how.
Note: If you move to a different state, you’ll need to start a new Marketplace application. Learn more.

Get more information on reporting changes to the Marketplace.

Using your Marketplace insurance when you’re not sick

Healthcare.gov — Thu, 02 May 2019 00:00:00 -0400

Did you know you can use Marketplace health insurance benefits even when you’re not sick? Here’s how you can take advantage of your health insurance benefits all the time:

Get free preventive services

Most health plans must cover a set of preventive services, including shots, check-ups, and screening tests, at no cost to you.
Taking advantage of these services can prevent illnesses, disease, and other health problems, and detect illness at an early stage when treatment is likely to work best.

Get recommended health screenings

Marketplace plans cover chronic disease management and rehabilitative and habilitative services and devices.
Schedule any preventive appointments you need in advance. This way, you’ll have them on the calendar, and they won’t slip your mind.

3 questions to ask your doctor

Healthcare.gov — Thu, 18 Apr 2019 00:00:00 -0400

It’s important to understand what services are covered by your insurance plan and what your costs may be before your doctor’s appointment. Here are some questions to ask:

Does my health plan cover my current doctor?

Call your doctor’s office directly and ask if they accept your coverage. You can also check your health plan’s website and their provider directory.
You may also want to ask your plan if you need prior authorization before your visit. Without it, you may be charged for things your health plan would have paid for.

Does my health plan cover the services I need?

All private health insurance plans offered in the Marketplace offer the same set of essential health benefits, including prescription drugs, emergency services, and pregnancy, maternity, and newborn care.
Some plans may also offer additional coverage. If you have questions about whether a service is covered, contact your plan.

What will my costs be?

Most health plans give you the best deal on services when you see a doctor who has a contract with your health plan (also called an "in-network" provider). You may be able to see doctors who don’t contract with your plan (called "out-of-network" providers), but you may pay more out of pocket.
You can avoid any surprises before your appointment by taking the time now to learn which services in your plan aren’t subject to your health insurance deductible. Some plans charge only a copayment for primary care visits before you meet your deductible; others offer discounts on drugs, including generic drugs.

Only a few days left to file 2018 taxes

Healthcare.gov — Thu, 04 Apr 2019 00:00:00 -0400

Tax day is right around the corner! Don’t miss the April 15, 2019 deadline to file 2018 taxes and report your health coverage. No matter how you got health coverage — whether through the Health Insurance Marketplace, your job, or another source — you must report your 2018 coverage status to the IRS when you file taxes.

Get step-by-step directions & tax forms for your situation

You must file a federal tax return for 2018 — even if you usually don't file or your income is below the level requiring you to.

For instructions and forms for your situation, choose your 2018 health coverage status. Your next steps will depend on how you got health coverage last year.

Had a Marketplace plan in 2018?

If you or anyone in your household had Marketplace health insurance in 2018, you’ll use Form 1095-A to “reconcile” your premium tax credit on your 2018 taxes.

Can't find your 1095-A? Get help finding it.

2 steps to 'reconcile' your premium tax credit on 2018 taxes

Healthcare.gov — Thu, 21 Mar 2019 00:00:00 -0400

If you had a Marketplace plan and used advance payments of the premium tax credit (APTC) to lower your monthly payment, you’ll have to "reconcile" when you file your 2018 taxes.

Step 1: Check Form 1095-A for accuracy

Make sure your coverage and household information on your Form 1095-A is correct. If anything is wrong, contact the Marketplace Call Center.

Also, check your SLCSP by looking at Part III, Column B of your 1095-A, titled “Monthly second lowest-cost Silver Plan (SLCSP) premium.”

The SLCSP premium is incorrect if:

Part III, Column B has a “0” or is blank for any month someone in your household had the Marketplace plan.
You had changes in your household that you didn’t report on your Marketplace application — like having a baby, moving, getting married or divorced, or losing a dependent.

If either situation applies to you, use our tax tool to get your correct SLCSP premium.

Step 2: “Reconcile” your 2018 taxes

Now that you've made sure your SLCSP premium is correct and your coverage and household information is accurate, you’re ready to file.

How to check your Form 1095-A

Healthcare.gov — Thu, 07 Mar 2019 00:00:00 -0500

If anyone in your household had Marketplace health insurance in 2018, you should have already received Form 1095-A, Health Insurance Marketplace Statement, in the mail.

Before you file: 3 things to know about Form 1095-A

If you can’t find your 1095-A, check online. If your form didn’t come by mail or you can’t find it, check your online Marketplace account. When you follow these steps, be sure to choose your 2018 application, not your 2019 application.
Before you file, make sure your 1095-A is correct. Check basic health plan and household member information, and verify the premium for your second lowest cost Silver plan (SLCSP). If you find errors, contact the Marketplace Call Center. Don’t file your taxes until you have an accurate form.
You’ll use the information from your 1095-A to “reconcile” your premium tax credit. Once you have an accurate 1095-A and second lowest cost Silver plan premium, you’re ready to fill out Form 8962, Premium Tax Credit, and “reconcile.” You’ll compare the amount you used in 2018 to lower your monthly insurance payment with the actual premium tax credit you qualify for based on your final 2018 income. Get a step-by-step guide to reconciling.

Do you qualify for a Special Enrollment Period?

Healthcare.gov — Thu, 21 Feb 2019 00:00:00 -0500

You can now enroll in or change a Health Insurance Marketplace plan only if you have a life event — meaning a change in your situation, like getting married, having a baby, or losing health coverage — that qualifies you for a Special Enrollment Period.

Life changes that may qualify you for a Special Enrollment Period

There are 4 basic types of qualifying life events: loss of health coverage, household changes, residence changes, and other qualifying events, like income changes that may affect your coverage options.
See the full list of all qualifying life events.

How to apply with a Special Enrollment Period

If you know your life event qualifies you for a Special Enrollment Period, start an application by creating an account or logging in to an existing one.
When you apply, you may be asked to provide documents to confirm the events that make you eligible.
If you’re not sure your life event counts, answer a few quick questions here.

Learn more about getting 2019 Marketplace health coverage with a Special Enrollment Period.

Need to submit documents to confirm a life event?

Healthcare.gov — Thu, 07 Feb 2019 00:00:00 -0500

If you’re eligible for a Special Enrollment Period to enroll in or change plans for 2019, you may be asked to provide documents to confirm the event that makes you eligible.

Do I need to submit documents?

You’ll learn if you have to provide documents after you submit your application.
Details and instructions appear on your eligibility results screen and in a notice you can download or get in the mail.
If your eligibility results don’t say you need to, just pick a plan and enroll.

What document types can I provide?

The documents depend on your life event. See the documents and deadlines for each kind.
If you have your documents handy and are ready to upload them, follow these steps.

How long do I have to send documents?

After you pick a plan, you have 30 days to send documents.
While your coverage start date is based on when you pick a plan, you can’t use your coverage until your eligibility is confirmed and you make your first premium payment.

3 things to know about 2018 taxes & Marketplace insurance

Healthcare.gov — Thu, 31 Jan 2019 00:00:00 -0500

2018 tax filing season starts January 29, 2019. You must report information about your 2018 health coverage when you file. If you had Marketplace health insurance in 2018, check out these 3 tips:

Keep an eye out for Form 1095-A

If anyone in your household had a Marketplace plan in 2018, we’ll mail you Form 1095-A, Health Insurance Marketplace Statement, by early February. It’ll also be available online in your HealthCare.gov account. Note: It comes from the Marketplace, not the IRS.
You’ll use it to "reconcile" your premium tax credit.

Make sure your Form 1095-A is correct

If anything about your coverage or household is wrong, contact the Marketplace Call Center.
Also, make sure the information about the “second lowest cost Silver Plan” (SLCSP) is correct.
Don’t file your taxes until you have an accurate 1095-A.

Get help, step-by-step instructions & tax forms

Choose the situation that best applies to you to learn about health coverage and your 2018 federal taxes.
Find out where to get free volunteer tax help from the IRS.

{% box %} IMPORTANT: Didn’t have health insurance in 2018?

If you could have afforded health insurance in 2018 but chose not to buy it, you may have to pay a fee when you file taxes this year. But starting with the 2019 plan year (for which you’ll file taxes in 2020), the fee no longer applies. {% endbox %}

3 ways to use your new Marketplace coverage

Healthcare.gov — Thu, 17 Jan 2019 00:00:00 -0500

Now that you’re enrolled in a health plan for 2019, you can use your new coverage for regular and emergency care, prescription drugs, and preventive care.

Getting regular & emergency care

You usually pay the lowest costs for services when you see a doctor who has a contract with your health plan. Visit your health plan’s website and check their provider directory to see which doctors are covered.
In an emergency, you should get care from the closest hospital. Your insurance company can't charge you more for getting emergency room services at an out-of-network hospital.

Getting prescription medications

Your health plan will help pay the cost of certain prescriptions. Visit your insurer’s website or review your plan’s Summary of Benefits and Coverage to see which prescriptions are covered by your new Marketplace plan.
Different health plans allow you to get your medications from different pharmacies. Call your insurance company or visit their website to find out if your regular pharmacy is in-network.

Getting free preventive care

Marketplace health plans cover a set of preventive services — like shots and screening tests — at no cost to you.
These services are free only when delivered by a doctor or other provider in your plan’s network.
Check out the preventive services for all adults, women, and children.

Get more information on using your new coverage.

Ring in the New Year with free preventive services

Healthcare.gov — Thu, 03 Jan 2019 00:00:00 -0500

Starting in 2019, take advantage of the free preventive services — like flu shots and screening tests — available with your Marketplace plan.

What are preventive services?

Preventive services are routine health care procedures that include screenings, check-ups, and counseling to prevent illnesses, disease, and other health problems. These services can help detect illness early when treatment is likely to work best.
Preventive services are free when delivered by a doctor or other provider in your plan’s network.
Visit your health plan’s website and view their provider directory for a list of the doctors, hospitals, and other health care providers that your plan contracts with.

What services are covered?

Get more information on preventive and wellness services and chronic disease management.

See if you may still qualify for 2019 insurance

Healthcare.gov — Thu, 03 Jan 2019 00:00:00 -0500

For most people, the deadline to enroll in 2019 health insurance has passed. But there are two ways you may still be able to get 2019 coverage:

Through Medicaid or the Children’s Health Insurance Program (CHIP)

Medicaid and CHIP provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities.
If eligible, your coverage can start right away, any time of year. Medicaid and CHIP don’t have Open Enrollment Periods.
Learn more about Medicaid and CHIP, including how to apply.

Through a Special Enrollment Period

Outside Open Enrollment, you may qualify for a Special Enrollment Period if you have certain life events, like losing health coverage, moving, getting married, having a baby, or adopting a child.
If you qualify, you usually have up to 60 days following the event to enroll in or change a plan.
Not sure your life event makes you eligible? Just answer a few fast questions to find out.

Pay your premium: Make sure your coverage starts January 1

Healthcare.gov — Thu, 20 Dec 2018 00:00:00 -0500

Now that you’ve enrolled in 2019 Marketplace insurance, you must pay your monthly premium for your coverage to start. You pay your premiums directly to the insurance company.

How to pay your premium

Each insurance company handles premium payments differently. Follow your plan’s instructions about how and when to pay your premium. Make sure you continue your monthly payments. If you don’t, the insurance company could end your coverage.

You may be able to pay your monthly premium online at HealthCare.gov. Follow these steps:

Log in to your Marketplace account.
Click your name in the top right, and select "My Applications & Coverage." Choose your application under "Your Existing Applications."
Click the blue button "Pay Your First Health Insurance Monthly Premium."
If online payment is available, choose the green button "Pay for Health Plan Now" to go to your insurance company’s website to pay.

If your health insurance company doesn't accept online payment, they should have contacted you with next steps. Reach out to them if you haven’t received details on how to pay or aren’t sure if you paid.

Learn more about completing your enrollment by paying your premium.

2019 Open Enrollment is over, but you may still have options

Healthcare.gov — Sun, 16 Dec 2018 00:00:00 -0500

If you missed the Open Enrollment deadline and didn’t enroll in 2019 Marketplace health insurance, you may still be able to get coverage for 2019 two ways:

Enroll in or change 2019 plans with a Special Enrollment Period

If you experience certain life changes, like losing health coverage, getting married, or having a baby, you may be eligible for a Special Enrollment Period. This means you may be able to sign up for health insurance at other times during the year.
See the full list of life events that may qualify you for a Special Enrollment Period.
Not sure whether your life event qualifies? Answer a few questions to find out.

Apply for Medicaid or the Children’s Health Insurance Program (CHIP) any time of year

Medicaid and CHIP provide free or low-cost health coverage to millions of Americans, including some people with limited income, families and children, pregnant women, the elderly, and people with disabilities.
If you qualify, your coverage can start right away, any time of year.
Learn how to apply for Medicaid and CHIP.

Health Insurance Blog - Healthcare.gov

2019 tax season is here! Here’s how to prepare

3 steps to get ready for 2019 tax filing:

Take advantage of free preventive services in 2020

What are preventive services?

Where can I learn more?

Now that you’re covered for 2020, don’t forget to pay your premium

Can I pay my premium online?

Not sure you’ve paid?

2020 Open Enrollment is over, but you may have options

With a Special Enrollment Period

Through Medicaid or the Children’s Health Insurance Program (CHIP)

Last chance: The 2020 Open Enrollment deadline is days away!

Act now for coverage that starts January 1

Need enrollment help?

Time’s running out! Update & compare Marketplace plans by December 15

Why update & compare for 2020 — even if you want to keep the same plan

How to change or renew 2020 coverage

Why enroll in 2020 Marketplace coverage

You may be eligible for savings

Applying can be fast & simple

Only one month left to enroll in or change 2020 Marketplace coverage!

Act now & apply

Enrollment help is available

Quickly find your 2020 Marketplace costs

Will I save on a 2020 Marketplace plan?

Find out exact costs & savings when you apply

The 2020 Health Insurance Marketplace is open for business!

How to apply

Not quite ready? See plans & prepare

Preview 2020 plans and prices today!

How to preview 2020 plans & prices

More on 2020 Open Enrollment & plan shopping

Things to know about picking a plan before Nov. 1

The 4 “metal” categories

Health insurance plan & network types

Total health care costs

5 easy ways to prepare for 2020 Open Enrollment

How to get ready to enroll — quickly and easily!

Less than one month 'til 2020 Marketplace Open Enrollment!

Key dates & deadlines

How to get ready today for November 1

Stay ahead of the deadline with 2020 Open Enrollment reminders

3 ways to stay connected with the Marketplace

Key 2020 Marketplace enrollment dates & deadlines

2020 important dates & deadlines

Need coverage for the rest of 2019?

3 benefits Marketplace health plans must cover

What are essential health benefits?

Is treatment for my pre-existing condition covered?

Are preventive health services included with Marketplace coverage?

Can you get health coverage for the rest of 2019?

Do I qualify for a Special Enrollment Period?

Do I qualify for Medicaid or CHIP?

Kick off the school year with health insurance!

Student health plans & other options

When can I enroll in a 2020 Marketplace plan?

Key 2020 Open Enrollment dates

New baby? See your health insurance options

How to apply with a Special Enrollment Period

When will coverage start?

Special Enrollment Periods: What you need to know

3 tips on getting health coverage outside Open Enrollment

Did you recently move to a new state?

How to apply for health coverage in your new state

This summer, put your health & well-being first

3 ways to maintain your health this summer

Report household & income changes all year

What types of changes to report

How to report life changes

Calling all graduates: You likely have health insurance options

3 ways young adults can get health insurance

Income or household changes? Update your Marketplace application ASAP

What changes to report

How to report changes

Using your Marketplace insurance when you’re not sick

Get free preventive services

Get recommended health screenings

3 questions to ask your doctor

Does my health plan cover my current doctor?