New, lower costs on Marketplace coverage

Notice:
Still need health coverage for 2023?
Open Enrollment is over. You can still get 2023 health insurance 2 ways:
  • If you qualify for a Special Enrollment Period due to a 
    life event
     like losing other coverage, getting married, having a baby, or based on estimated household income.
  • If you qualify for Medicaid or the Children's Health Insurance Program (CHIP). You can apply for these programs any time.
Check if you qualify
You may be able to get more savings and lower costs on Marketplace health insurance coverage due to the American Rescue Plan Act of 2021. Under the new law:
  • More people than ever before qualify for help paying for health coverage, even those who weren’t eligible in the past.
  • Most people currently enrolled in a Marketplace plan may qualify for more tax credits.
  • Health insurance 
    premiums
     after these new savings will go down.

How to find out if you qualify for Marketplace savings

Notice:
Lower costs continue through 2025
The Inflation Reduction Act keeps these savings and lower costs through 2025. If you qualify for savings, you’ll find out the lower costs when you shop for plans.
When you apply for Marketplace coverage, you’ll find out if you qualify for a 
premium tax credit
 that lowers your monthly premium.
The amount of your premium tax credit depends on the estimated household income that you put on your Marketplace application.
Find out if your estimated income is in the range to qualify for a premium tax credit.

If your state doesn’t use HealthCare.gov

Visit your State Marketplace website or contact their Call Center for more information about when these additional savings will be available through your Marketplace.
Not sure which website your state uses? Select your state to find out.
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