An official website of the United States government

Here's how you know

A quick guide to the Health Insurance Marketplace®

Tips about the Health Insurance Marketplace®

Enroll for 2024 now
Fill out an application, compare plans, and enroll in health coverage for 2024. Enroll by December 15 for coverage that starts January 1.
Log in or create account to start your application.
If you don't have health insurance through a job, Medicare, Medicaid, the Children's Health Insurance Program (CHIP), or another source that provides
, you can find coverage through the Marketplace.

1. Open Enrollment runs from November 1 through January 15

  • Enroll by December 15 for coverage that starts January 1
  • Enroll by January 15 for coverage that starts February 1

2. Outside the yearly Open Enrollment Period, you can get coverage or change plans only if you:

  • Have a life change or income that qualifies for a
  • Qualify for Medicaid or the Children's Health Insurance Program (CHIP) — you can enroll any time of year and coverage can start immediately

3. Most people qualify for savings

Depending on your expected household income for the year, you may qualify for:
  • Lower costs for your Marketplace plan, like the 
     that lowers your monthly insurance bill, and for extra savings on out-of-pocket costs like 
  • Coverage through
    or the
    . Your children may qualify for CHIP, even if you don't qualify for Medicaid.

4. All Marketplace plans cover:

5. You can apply for coverage several ways

Apply any way that works for you:
  • Online
  • By phone
  • With the help of someone in your community
  • Through an agent/ broker
  • Through certified enrollment partner websites
  • With a paper application

6. Don't forget to pay your monthly premium

When you have Marketplace insurance, you'll pay your premiums directly to the insurance company — not to the Marketplace. Your coverage won't start until you pay your first premium. Get more information on completing your enrollment. 
Register to vote
If you would like to register to vote, you can get information about resources for your state through