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A quick guide to the Health Insurance Marketplace®

Getting a Health Insurance Marketplace® plan: 4 steps

Warning:
Get ready for Open Enrollment
 
Starting November 1, you can apply for 2025 coverage or update your application with any changes you expect for the year ahead. Get ready now.
Notice:
Get health coverage now if you qualify for:
  • A
    due to a life event or based on your income.
  • Free or low-cost coverage through
    or the
    .
Check if you qualify.
If you’re new to the
, follow these 4 steps to apply and enroll.
Already have an account? Log in to apply.
 
Before you get started: Get key resources
icon: three books
1
Create a Marketplace account
  • Enter some basic information, like your name, address, and email address to start.
  • If your state runs its own Marketplace, we’ll take you there.
Create account
icon: silhouette of a person with a check mark in front
2
Get ready to apply
icon: papers with a pencil
3
Get “Eligibility Results” right away
Submit your application to find out if you qualify for:
  • A Marketplace health insurance plan with savings, like the
    to help pay monthly
    , or lower
    ,
    , and
    .
  • Free or low-cost coverage through Medicaid and the Children’s Health Insurance Program (CHIP).
  • Lower costs — See if you might save before you apply.
icon: computer screen with a check mark on it
4
Enroll in health coverage

How to Choose a Plan in the Health Insurance Marketplace®

How to Choose a Plan in the Health Insurance Marketplace®

After you enroll

  • You’ll get a packet in the mail with your new insurance card and more information about your health plan. Start using your coverage.
  • If you need to make changes to your plan, you can do so if you're moving, having a baby, or adopting a child.
  • If your income or household changes, update your application as soon as possible. Your coverage options and savings may be impacted.
  • If you’re eligible for Medicaid or CHIP, you’ll get information and next steps from your state.
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