The only way to know for sure is to fill out an application by December 15. But to get a quick idea, select your household size, state, and estimated 2019 income.
You can also provide some simple information and get a quick estimate of what plans may cost you for 2019.
"Cost-sharing reductions" lower your out-of-pocket costs for health insurance. If you qualify, you must enroll in a Silver plan to get these extra savings. With Silver, you’ll have a pretty low premium, with a lower deductible and lower costs whenever you go to the doctor or have other medical expenses.
Most households include:
Learn more about who to include in your household.
Log in to your HealthCare.gov account, update your application, and check out the plans available to you for 2019. New plans, prices, and features may be available.
No matter what plan you want to enroll in, we strongly recommend you update your Marketplace application with your expected income and household information and compare your current plan to what’s available for 2019 to get the right amount of savings.
Yes, but this probably isn’t your best option.
The best way to make sure you have a 2019 plan that meets your needs, and with the financial help you qualify for, is to log in, update your information, and see all plans available to you for 2019. You should do this even if you want to keep the same plan.
Log in to your Marketplace account. You'll see a 2019 application, pre-filled with some of your 2018 information. Update the application, then choose a new plan or renew by December 15.
Note: When you enroll or re-enroll in a plan for 2019, you don’t need to take action to cancel your 2018 plan.
If you need to cancel your 2018 plan so it ends before January 1, 2019, you do need to take action.
When and how to end your Marketplace plan depends on your situation and who you're canceling for. For step-by-step instructions, answer a few questions about why you’re ending coverage.
IMPORTANT: Don't end your plan until you know for sure when your new coverage begins.End highlighted text
Log in, update your application, and check out the plans available to you for 2019. New plans, prices, and features may be available.
Saturday, December 15, 2018.
If you don't update your application or change plans before December 15, you might be automatically re-enrolled in the same plan (or a similar one) for 2019.
Even if you're happy with your plan and don't have any life changes to report (like a move or income changes), you should still take a look at the plans available to you. You might benefit from a change, and you won’t know until you compare.
When you apply, you'll provide details about your household, your income, and any coverage you currently have.
Use our checklist (PDF) to make sure you're ready.
Outside Open Enrollment, you can get health insurance only 2 ways:
If you don’t qualify for either, you can apply for 2019 Marketplace coverage until December 15, 2018, and your coverage will start January 1, 2019.
It depends on whether you’re new to the Marketplace:
November 1, 2018: Open Enrollment started.
December 15, 2018: Open Enrollment ends. After December 15, you can still buy a health plan if you qualify for a Special Enrollment Period.
January 1, 2019: Plans sold during Open Enrollment start.
Answer a few fast questions to see plans with personalized price estimates before you apply.
Use our checklist (PDF) to make sure you have everything you need.
Important: If you have a Marketplace account and can’t log in, don’t create a new account.
Your savings depend on your expected household income for 2019. To get a quick idea if you’ll save, select your household size, state, and estimated 2019 income. We'll tell you if your income's in the saving range. You'll find out exactly how much you'll save when you apply.
In some cases. If you have certain life changes — like having a baby, getting married, or losing health coverage — you may qualify for a Special Enrollment Period to enroll in a health coverage plan for the rest of 2018. Learn more.
You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time of year.
You can upload the documents online, which is the fastest and easiest way to get them processed. Or you can mail copies instead.