Who Can Use the ACA Marketplace?
UNINSURED INDIVIDUALS & FAMILIES
UNINSURED INDIVIDUALS & FAMILIES
UNINSURED INDIVIDUALS & FAMILIES
Need health insurance for yourself or your family? Marketplace coverage may provide an option.
SELF-EMPLOYED
UNINSURED INDIVIDUALS & FAMILIES
UNINSURED INDIVIDUALS & FAMILIES
If you work for yourself and don’t have employer-sponsored health coverage, the Marketplace may offer individual or family coverage.
LOSING OTHER COVERAGE
UNINSURED INDIVIDUALS & FAMILIES
RETIRING BEFORE MEDICARE
Losing employer coverage, COBRA, Medicaid or other qualifying health coverage may create a Special Enrollment Period.
RETIRING BEFORE MEDICARE
UNINSURED INDIVIDUALS & FAMILIES
RETIRING BEFORE MEDICARE
If you retire before becoming eligible for Medicare, Marketplace coverage may help bridge the gap until Medicare begins.
WHAT MARKETPLACE COVERAGE CAN INCLUDE
Doctor & Hospital Care
Preventive & Wellness Care
Doctor & Hospital Care
Marketplace plans cover a range of medical services, including doctor visits, hospital care and emergency services.
Prescription Drugs
Preventive & Wellness Care
Doctor & Hospital Care
Marketplace plans include prescription drug coverage, although formularies and what you pay can vary by plan.
Preventive & Wellness Care
Preventive & Wellness Care
Preventive & Wellness Care
Many recommended preventive services are covered without cost-sharing when you use an in-network provider.
Important ACA Protections
Preventive & Wellness Care
Preventive & Wellness Care
Marketplace plans cannot deny coverage or charge you more because of a pre-existing health condition.
What is this going to cost me?
Premium Tax Credits
Cost-Sharing Reductions
Cost-Sharing Reductions
Financial assistance may be available to lower the monthly premium you pay for Marketplace coverage. Eligibility depends on factors such as household income, household size and access to other coverage.
Cost-Sharing Reductions
Cost-Sharing Reductions
Cost-Sharing Reductions
Some people who qualify and enroll in an eligible Silver plan may receive additional help lowering deductibles, copayments and other out-of-pocket costs.
Your Household Matters
Cost-Sharing Reductions
Your Household Matters
Marketplace savings are based on information about your household and expected annual income. We can help you understand what information is needed when completing an application.
When Can I Enroll in Marketplace Coverage?
Open Enrollment
Special Enrollment Periods
Special Enrollment Periods
Open Enrollment for Marketplace coverage runs November 1 through January 15 each year. Enroll by December 15 for coverage that generally starts January 1.
Special Enrollment Periods
Special Enrollment Periods
Special Enrollment Periods
Outside Open Enrollment, certain life events—such as losing health coverage, moving, getting married or having a baby—may let you enroll or change plans. You usually have a limited window around the event to act.
Medicaid & CHIP
Special Enrollment Periods
Medicaid & CHIP
Medicaid and CHIP enrollment is available year-round. If you or your children may qualify, you don’t have to wait for Marketplace Open Enrollment to apply.