A quick guide to the Health Insurance Marketplace®

Tips about the Health Insurance Marketplace®

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.
Need health insurance?
You can get health coverage for the rest of the year if you qualify for:
  • A
    due to a recent
    , like losing other coverage, moving, getting married, or having a baby.
  • , the
    , or based on estimated household income.
Open Enrollment for 2024 plans starts November 1.

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

Your savings depend on your expected household income for the year.
Get a quick idea if you'll save. Based on your income estimate, we'll tell you if you qualify for:
A health insurance plan with savings based on your income
  • You may qualify for a 
     that lowers your monthly insurance bill, and for extra savings on out-of-pocket costs like 
  • The plans are offered by private insurance companies with a range of prices and features.
or the

4. All Marketplace plans cover:

5. You can apply for coverage several ways

  • 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 Health Insurance Marketplace®. Your coverage won't start until you pay your first premium. Get more information on completing your enrollment. 
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