Skip to main content

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®

If you don't have health insurance through a job,
, the
, or another source that provides
, you can find coverage through the Marketplace.

1. Open Enrollment is November 1-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, 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. Learn more about these programs.

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 plan premium, and for
    on out-of-pocket costs like 
    , and
  • Coverage through Medicaid or CHIP. 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 monthly 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