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Outside Open Enrollment, you can only get health insurance 2 ways:
- With a Special Enrollment Period. You can qualify if you lose job-based coverage, have a baby, get married, or have certain other , or based on estimated household income.
- Through Medicaid or the Children's Health Insurance Program (CHIP). You can apply any time and can enroll immediately if you're eligible.
Think you may qualify for a Special Enrollment Period? Answer a few quick questions to find out.
Answer a few quick questions to preview plans with personalized price estimates before you apply.
You can report changes to the Marketplace 3 ways: online, by phone, or in person — not by mail. Learn how to report changes.
You can upload the documents online, which is the fastest and easiest way to get them processed. You can also choose to mail copies.
When you have Marketplace insurance, you'll pay your premiums directly to the insurance company — not to the Health Insurance Marketplace®. Your coverage won't start until you pay your first premium. Get more information on completing your enrollment.
Outside Open Enrollment, you can only get health insurance 2 ways:
- With a Special Enrollment Period. You can qualify if you lose job-based coverage, have a baby, get married, or have certain other , or based on estimated household income.
- Through Medicaid or the Children's Health Insurance Program (CHIP). You can apply any time and can enroll immediately if you're eligible.
Think you may qualify for a Special Enrollment Period? Answer a few quick questions to find out.
Answer a few fast questions to preview plans with personalized price estimates before you apply.
The only way to know for sure is to fill out an application. But to get a quick idea, select your household size, state, and estimated 2023 income to find out if you’re in the range to save.
You can also preview plans and prices and get an estimate of what plans cost based on your income.
When you apply for Marketplace coverage with a Special Enrollment Period, you may be asked to provide documents to confirm the events that make you eligible. You must send the documents before you can start using your coverage. Learn more about submitting documents.
You may be asked to submit documents to confirm or add to information on your application, like your income, citizenship, or immigration status. You can upload documents online, which is the fastest and easiest way to get them processed. Or you can mail copies instead.
Update your application online as soon as possible. Premium tax credits and other savings are based on your income information on your application.
How you cancel depends on the reason you’re canceling and which family members you’re canceling for. Choose why you're ending coverage for step-by-step instructions.
Pay your monthly premiums to your insurance company, not the Marketplace. Contact your insurance company to find out when and how to make your payments.
Pay by your due date. If you don't, you could lose your coverage.
Outside Open Enrollment, you can change plans only if you qualify for a Special Enrollment Period due to a — like changing jobs, getting married, or having a baby — or based on estimated household income. You usually have 60 days from the life event to enroll in a new plan.
Think you qualify for a Special Enrollment Period? Answer a few quick questions, and we’ll tell you how to apply.
If you haven’t had health insurance before or if it’s been a while, you can learn about using your coverage and improving your health with our "From Coverage to Care: A Roadmap to Better Care and a Healthier You" (PDF, 698 KB).
To find out, fill out an application if you qualify for a Special Enrollment Period. Enter your household size, state, and estimated 2023 income to find out if you qualify to enroll with savings.
You can also answer a few quick questions to preview plans with personalized price estimates.
The Marketplace bases savings on your estimated income for the year you want coverage.