Health Insurance Marketplace
The Marketplace helps you find health coverage that fits your budget and meets your needs. When
you apply for coverage, you can find out all your options and enroll.
You can apply for private insurance, Medicaid, or the Children’s Health Insurance Program (CHIP) if eligible.
Every health plan in the Marketplace offers the same set of essential health benefits, like doctor visits, preventive care, hospitalization, prescriptions, and more. You can compare plans based on price, benefits, and other features
important to you before you make a choice.
Insurance plans run by private companies
Marketplace plans are run by private companies. You can compare your health coverage options in the Marketplace and find out what your premium, deductibles, and out of-pocket costs will be before you decide to enroll. There are protections for you and your household. Insurance plans can’t deny you coverage because of pre-existing or chronic conditions, like cancer or diabetes, and they can’t charge different premiums for the same plan.
Get help with costs
When you use the Marketplace, you may be able to get financial help to lower your monthly premiums and help with your out-of-pocket costs. When you apply, you’ll find out how much you can save.
Visit the Health Insurance Marketplace
- Sign up to get emails or texts with the latest news and reminders of important dates.
- If you recently lost health coverage or have Marketplace coverage now, review your application
at HealthCare.gov to make sure it’s up-to-date and report any life changes. - If you don’t have Marketplace coverage now, create an account and see what coverage or help with costs you may qualify for.
- Apply and enroll in health coverage.
How can I learn more?
To learn more about coverage through the Marketplace or your benefits and protections, visit HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596.
TTY users can call 1-855-889-4325.
Protect your personal information
Never share your information to anyone offering cash, gifts, or other perks.
Visit HealthCare.gov/protect-from-fraud-and-scams for more tips on
protecting yourself from fraud.
Key Dates for the Health Insurance Marketplace
Get ready for Open Enrollment – mark key dates on your calendar and follow the tips below.
Key Dates
- November 1: Open Enrollment starts.
- December 15: Enroll by December 15 for
coverage that starts January 1. - January 1: Coverage begins for plans chosen by December 15.
- January 15: Enroll by January 15 for coverage that starts February 1.
- February 1: Coverage begins for plans chosen between December 16 and January 15.
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