How can we help you?

When can I apply for coverage?

The Open Enrollment Period for 2016 coverage starts November 1, 2015, and ends January 31, 2016.

Outside the Open Enrollment Period, you can enroll in an insurance plan only if you qualify for a Special Enrollment Period. You can see if you qualify for one.
You can apply for Medicaid and the Children’s Health Insurance Program (CHIP) any time of year.
How do I renew my Marketplace coverage?

Starting as soon as October, you’ll get 2 notices – one from the Marketplace, one from your insurance company.

Together the notices will tell you:
  • If your plan is available for 2016, and if it’s changing
  • How much it will cost in 2016
  • How to compare, change, or keep plans

If you do nothing you’ll be automatically re-enrolled in your 2015 plan (or a similar plan) for 2016. This way you won’t have a gap in coverage.

But it’s important to check out the new plans and prices for 2016, and update your income and household information for the year ahead.
2016 plans and prices will be available shortly before Open Enrollment starts on November 1, 2015.
How do I cancel my health plan?

That depends on who and why you want to cancel:

How do I pay my monthly premium?

Pay your premium to your insurance company, not the Marketplace.

Contact your insurance company to find out when and how to make your payments.
If I don’t want to apply online, how can I apply?

You can also apply:

  • By phone
  • With a trained helper
  • With a health insurance agent or broker who’s certified by the Marketplace
  • With a mailed paper application

Learn more about how to apply.

How do I upload documents?

When we ask you for documents, uploading is the fastest way to get them processed.

You can also send documents by mail. The link above tells you how.
Note: We can’t accept documents by email or fax.
Where can I find a Marketplace appeal form?

Find all appeal request forms here

What documents do I need to have before I apply?

Use this checklist of things you should gather before you apply (PDF).

Where can I find exemption application forms?

Exemption application forms are here.

What’s a “self-employment ledger”?

It’s any accurate, detailed record of your self-employment income and expenses.

You can provide a spreadsheet, a document from an accounting software program, a handwritten “ledger” book – anything that records all income and expenses.
If you’ve been asked to upload or mail in a self-employment ledger, the Marketplace needs to verify your estimate of your business income.
Where can I find a paper Marketplace application?

The paper Marketplace application is here (PDF).

Where do I find my 1095-A tax form?
  • Log in to your Marketplace account
  • Select your 2014 application (be sure you’re not choosing your 2015 coverage application)
  • Select “Tax forms” from the menu on the left
  • View or download each Form 1095-A
  • All 1095-As are also available with your Marketplace messages
  • If you can’t find your 1095-A online, contact the Marketplace Call Center
Where can I see plan and price information?

You can see 2015 plans and prices before you create an account or log in.

Answer a few quick questions and you’ll see plans with estimated prices based on your income.
2016 plans and prices will be available shortly before Open Enrollment starts November 1.
Will I save money on health insurance?

The only way to know for sure is to fill out an application. But to get a quick idea:

Do I have to pay a penalty if I don’t have health coverage?

If you don’t have coverage for all or part of the year, you may have to pay a fee.

  • For 2015 the fee is $325 per person ($162.50 per child) or 2% of your household income, whichever is higher. The fee goes up in 2016. Get details on the penalty.
  • Some people qualify for a health coverage exemption, which means they don’t have to pay the penalty. See who qualifies for an exemption.
What do I count as “income”?

The Marketplace bases savings on your estimated income for the year you want coverage – not last year’s income.

Who do I include in my “household”?

Most households include:

  • The person applying for coverage
  • Their spouse if they’re married
  • Anybody they claim as a dependent on their federal tax return – including those who don’t need health coverage.

When you apply, you can say which household members need coverage and which don’t.

There are a few exceptions. Get details about who’s in your household and if their income is counted.
How do I upload documents?

When we ask you for documents, uploading is the fastest way to get them processed.

You can also send documents by mail. The link above tells you how.

Note: We can't accept documents by email or fax
What if I forgot my user name, password, or security questions?

Here's what to do if:

Important: If you have a Marketplace account and can’t log in, don’t create a new account. Contact the Marketplace Call Center.

How can I get health coverage outside the yearly Open Enrollment?

It depends on what coverage you qualify for.

  • A health insurance plan. Outside Open Enrollment, you can enroll only if you qualify for a Special Enrollment Period (SEP). You qualify if you have a baby, get married, lose job-based coverage, or have certain other life changes. See all changes that qualify for SEPs.
  • Medicaid and the Children’s Health Insurance Program (CHIP). You can apply for these free or low-cost programs any time of year. If you qualify, you can enroll immediately.

Answer a few questions and we’ll tell you if you may qualify for a Special Enrollment Period or Medicaid/CHIP.

If you don’t qualify for either one, you can apply as soon as November 1 for coverage starting January 1, 2016.
How can I get a dental plan?

You can sign up for a Marketplace dental plan only when you enroll in a Marketplace health plan.

  • After you select a health plan, either online or by phone, you’ll be asked if you want to shop for dental plans. You can say yes or no.
  • Once your Marketplace health coverage starts, you can’t go back and add a dental plan.
  • You can’t enroll in just a dental plan through HealthCare.gov.

If you qualify for a Special Enrollment Period to enroll in or change health plans outside Open Enrollment, you can buy a dental plan after you select your new health plan.

You can enroll in dental-only coverage outside the Marketplace any time. You’ll find many companies, agents, and brokers offering dental plans online.
Learn more about dental insurance and the Marketplace.
How do I report changes to things like my income, family, or address?

It’s really important to report changes to your income, address, and household information as soon as possible. If you don’t, your federal taxes could be affected.

See how to report:
How do I apply for Medicaid or CHIP?

You can apply 2 ways:

  • Fill out a Marketplace application any time of year. If it looks like you qualify for Medicaid or the Children’s Health Insurance Program (CHIP), we’ll send your information to your state agency. They’ll contact you.
  • Apply directly to your state agency. Visit our Medicaid page and select your state to get contact information.

You can do a quick check to see if you may qualify before you apply.

If you qualify for either program, you can enroll immediately, any time of year.
How do I create an account?
  • Click on Get Coverage.
  • Select your state.
  • We’ll send you to create your account. If your state runs its own Marketplace, we’ll send you there instead.

Important: If you have a Marketplace account and can’t log in, don’t create a new account. Contact the Marketplace Call Center.

Important Dates

  • Dec 15, 2015 Enroll by this date for coverage to begin Jan. 1
  • Jan 1, 2016 2016 coverage can begin
  • Jan 31, 2016 Open Enrollment ends

Still have questions?