How to choose Marketplace insurance

How to keep your doctor

Depending on the plan you choose in the Marketplace, you may be able to keep your current doctor.

Different plans have different networks and providers

Most health insurance plans offered in the Marketplace have networks of hospitals, doctors, specialists, pharmacies, and other health care providers. Networks include health care providers that the plan contracts with to take care of the plan’s members. Depending on the type of policy you buy, care may be covered only when you get it from a network provider.

When comparing plans in the Marketplace, you will see a link to a list of providers in each plan’s network. If staying with your current doctors is important to you, check to see if they are included before choosing a plan.

More answers

  • If you live in one state and work or spend a lot of time in another state, carefully check the provider directories of the plans you’re thinking about buying.

    See if their networks have doctors, hospitals, and other health care providers in the places you’ll be. Also check out the plan’s payment policies for out-of-network care.

    • Some plans have networks that cover only part of one state. Other plans have networks that cover much of the country.
    • If you use a doctor or facility that’s not in your plan’s network, you may have to pay more for the services you get.

    Marketplace plans must have a link to a provider network directory on their website – and the directory must have the most current listing of in-network providers. You can also contact the plan to confirm your doctor or facility is part of the network.

    HealthCare.gov provides direct links to provider directories for all Marketplace plans, so you can easily tell what your plan covers.