A quick guide to the Health Insurance Marketplace

Who's eligible to use the Marketplace

Need coverage for the rest of 2015?

The Open Enrollment Period for 2015 health insurance is over. The only way to get coverage for the rest of 2015 is if you qualify for a Special Enrollment Period or for Medicaid or CHIP.

The 2016 Open Enrollment Period is November 1, 2015 to January 31, 2016.

Most people are eligible to use the Health Insurance Marketplace.

To be eligible for health coverage through the Marketplace, you:

If you have Medicare coverage, you’re not eligible to use the Marketplace to buy a health or dental plan. Learn more about Medicare and the Marketplace.

U.S. citizens living outside the U.S.

U.S. citizens living in a foreign country for at least 330 days of a 12-month period are not required to get health insurance coverage for that 12-month period. If you're uninsured and living abroad under this definition, you qualify for a health insurance exemption. This means you don’t have to pay the fee that other uninsured people must pay.

See question 12 on this IRS web page to learn more about the rules for people living abroad.

Generally, health insurance in the Marketplace covers health care provided by doctors, hospitals, and other providers within the United States. If you're living abroad, it's important to know this before you consider buying Marketplace insurance.

More answers: Marketplace Eligibility

How is “live in the United States” defined?

If you’re considered a “resident” of the United States for tax purposes, you’re eligible to use the Marketplace.

Who is considered a U.S. national?

A U.S. national is someone who’s a U.S. citizen or a person who isn’t a U.S. citizen but owes permanent allegiance to the U.S.

With extremely limited exception by which he or she is entitled to be protected, all non-citizen U.S. nationals are people born in American Samoa or abroad with one or more American Samoan parents under certain conditions.
What if I’m a resident of a U.S. territory?

U.S. territories can decide whether to create their own Health Insurance Marketplace or expand Medicaid coverage. Residents of a U.S. territory aren't eligible to apply for health coverage using the federal or state Marketplace unless they also qualify as a resident within the service area of a Marketplace.

Residents of U.S. territories are not required to have health coverage under the health care law.