A quick guide to the Health Insurance Marketplace®

Getting a Health Insurance Marketplace® plan: 4 steps

If you’re new to the 
Health Insurance Marketplace®
, follow these 4 steps to apply and enroll on HealthCare.gov.
Still need health coverage for 2023?
Open Enrollment is over. You can still get 2023 health insurance 2 ways:
  • If you qualify for a Special Enrollment Period due to a 
    life event
     like losing other coverage, getting married, having a baby, or based on estimated household income.
  • If you qualify for Medicaid or the Children's Health Insurance Program (CHIP). You can apply for these programs any time.
Already have an account? Log in to apply. 
Before you get started: Get key resources
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Create a Marketplace account
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Get “Eligibility Results” right away
Submit your application to find out if you qualify for:
  • A Marketplace health insurance plan with savings, like tax credits to help pay monthly
    , or lower
    , and
  • Free or low-cost coverage through Medicaid and the Children’s Health Insurance Program (CHIP).
  • Check if you’ll save. Get an estimate before you apply.
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Enroll in health coverage
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 hear from your state about enrollment and next steps.