New, lower costs on Marketplace coverage

Notice:

Need health insurance?

Coming soon: Open Enrollment for 2023 runs November 1, 2022–January 15, 2023.

You can get health coverage for the rest of 2022 if you qualify for:

  • Special Enrollment Period
     due to a recent 
    life event
    , like losing other coverage, moving, getting married, or having a baby.
  • Medicaid
    , the 
    Children’s Health Insurance Program (CHIP)
    , or a new Special Enrollment Period based on estimated household income.

See 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. Your current Marketplace plan and premium won’t change for the rest of 2022. If you qualify for savings on 2023 coverage, you’ll see the lower costs when you shop for plans, starting November 1.

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 for 2022 that you put on your Marketplace application.

Find out if your estimated 2022 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.