Enroll, renew, or change plans for 2016
First time applying? Visit our Get Coverage page, select your state, and take your next steps.
Have a 2015 plan? Log in to update your application, compare plans, and renew or change for 2016.
Want in-person assistance? Find a trained assister in your community who can help you apply, renew, or change plans.
If you haven’t applied for insurance on HealthCare.gov before, here’s what you need to know about the Health Insurance Marketplace (sometimes known as the health insurance "exchange" or “Obamacare exchange”).
If you don’t have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source that provides qualifying coverage, the Marketplace can help you get covered.
Your savings depend on your estimate of your expected income for 2016, not your income for 2015. This year, about 8 in 10 of the uninsured who are eligible for Marketplace coverage qualify for financial assistance to lower the cost of their monthly premiums. Get a quick idea if your expected income is in the range to save.
Based on the income estimate you put on your application, we’ll tell you if you qualify for one of these:
The plans are offered by private insurance companies with a range of prices and features. All plans cover:
You can add dental to a health plan, but you don’t have to. You can’t buy a dental plan unless you enroll in a health plan.
Medicaid and CHIP provide free or low-cost coverage to millions of people and families with limited income, disabilities, and some other situations.
Most people must have qualifying health coverage or pay a fee with their 2016 federal taxes.
You can apply right now. Enroll by December 15 and your coverage can start January 1, 2016. After January 31, 2016, you can’t buy a health insurance plan for the rest of 2016 unless you have a life change — like having a baby, getting married, or losing other health coverage — that qualifies you for a Special Enrollment Period.