HealthCare.gov blog

Before you can start using your new 2022 Marketplace coverage, you must pay your first premium — the amount you pay for your health insurance every month — directly to the insurance company (not the Marketplace).

Open Enrollment for 2022 is here and ends January 15. Plans have different premiums and out-of-pocket costs and may differ in covered services and benefits. Knowing a few things before you compare can simplify the process of choosing a plan.

Open Enrollment for 2022 Marketplace coverage runs November 1 – January 15. Here’s why you should consider enrolling in coverage.

The Centers for Disease Control and Prevention (CDC) recommends everyone 6 months and older get a yearly flu shot by the end of October. Flu viruses change from year to year, so even if you got the shot before, you should get a vaccine each year to protect against the most common types of viruses.

If you're enrolled in a Marketplace plan and your income or household changes, update your application as soon as possible. These changes may affect the coverage or savings you’re eligible for. If you don’t report them, you could qualify for more savings than you’re getting now or wind up having to pay money back when you file 2021 taxes next year.

Here’s how you can use your Marketplace health insurance to help you stay healthy this summer.

Now that you’re enrolled in 2021 Marketplace insurance, don’t forget to pay your monthly directly to your health insurance company, not to the Health Insurance Marketplace^®. Your coverage won't start until you do.

All private health plans offered in the Marketplace must cover these 10 essential health benefits regardless of the plan category and type. (Note: These are the minimum requirements for all Marketplace plans. Specific services covered in each broad benefit category can vary based on your state's requirements.)

Health insurance isn’t just for when you’re sick. Here’s how you can use your Marketplace coverage any time.

If anyone in your household had a Marketplace plan in 2020, you’ll use Form 1095-A, Health Insurance Marketplace^® Statement to fill out Form 8962, Premium Tax Credit (PDF, 110 KB).