How do I apply for Marketplace coverage?



Use HealthCare.gov to apply for health coverage, compare plans, and enroll online. You can also apply by phone or get in-person help with your application.

Important. Marketplace Open Enrollment ended March 31. You can still buy a Marketplace health plan only if you qualify for a special enrollment period. You can apply for Medicaid and CHIP any time. Learn about special enrollment periods and other coverage options after Open Enrollment. Open Enrollment for 2015 coverage starts November 15, 2014.

Apply online

Before you begin, preview plans and prices available in your area. Price quotes shown reflect any lower costs you may qualify for based on your income and household size.

Follow these steps to apply for individual or family coverage:

  1. Create an account. Go to the Marketplace and select your state to begin. Provide some basic information, then choose a user name, password, and security questions for added protection.
  2. Complete your application. Provide information about you and your family, like income, household members, current health coverage, and more. Use this checklist to gather the documents you’ll need.
  3. Pick a plan. See all the options you qualify for, including Medicaid and the Children’s Health Insurance Program (CHIP). We’ll let you know if you qualify for lowers costs on private health coverage. Find out how to choose a plan that’s right for you.
  4. Enroll. After you choose a plan, don't forget to enroll online and contact your insurance company to pay your first premium by the due date. Learn how to complete your enrollment.

For the best online experience, visit HealthCare.gov on a desktop or laptop computer and use these tips to help you enroll in Marketplace coverage. There's help available 24 hours a day, 7 days a week.

Small business coverage: If you own a small business and want to apply for SHOP coverage for your employees, you’ll follow a different process. Go to the SHOP Marketplace and select your state to get started.

Don't have access to a computer? Here's how to apply

  • Apply by phone: Call 1-800-318-2596, 24 hours a day, 7 days a week (TTY: 1-855-889-4325). A customer service representative will work with you to complete the application and enrollment process.

  • Find in-person help: You can apply with the help of an assister who can sit with you and help you fill out an online or paper application. Search by city and state or zip code to see a list of local organizations with contact information, office hours, and types of help offered including non-English language support.

There are several other ways you can apply for coverage. Choose one that works best for you and your family.

  • Enroll directly through an insurance company. If your income is too high to qualify for lower costs on coverage, you can buy health coverage outside the Marketplace, directly through an insurance company. You can also use an agent or broker, or an online insurance seller. To preview plans available outside the Marketplace, you can use our Plan Finder website.

  • Apply by mail: Fill out a paper application and mail it in. Once you get your eligibility notice, go online or contact our call center to pick a plan and enroll. Download the application form and instructions to begin.

  • Local resources: You may be able to apply online at a local library or at a Community Health Center in your area.

Important information about paper applications

If you mailed in a paper application, you should get a call from the Marketplace when your application is processed. They’ll explain how to finish enrolling online or by phone. If you haven’t been contacted about your paper application yet, you don’t have to wait: You can go online or call the Marketplace to start a new application and enroll.