About the Health Insurance Marketplace
The Health Insurance Marketplace is a destination where consumers can compare insurance options in simple, easy to understand language. At the Marketplace, consumers will be able to compare insurance options based on price, benefits, quality and other factors with a clear picture of premiums and cost-sharing amounts to help them choose the insurance that best fits their needs.
Financial help to lower costs is available for people who qualify. Consumers may be eligible for free or low cost plans, or savings that lower monthly premiums right away.
We can help you access health insurance plans through the Marketplace: ask our staff how you can get more information about this coverage.
- Outpatient care
- Emergency room visits
- Hospital or inpatient care
- Maternity and newborn care
- Mental health and substance use disorder services
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive services, including counseling, screenings, and vaccines to keep you healthy
- Pediatric services, including dental and vision care for kids
Better health insurance choices
The Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll.
Every health insurance plan in the new Marketplace will offer essential health benefits, including doctor visits, preventive care, hospitalization, prescriptions, and more. You can compare plans based on price, benefits, quality, and other features important to you before you make a choice.
Insurance plans run by private companies
Insurance plans in the Marketplace are offered by private companies, and they cover the same core set of essential health benefits. No matter where you live, you'll be able to compare your health insurance options in the Marketplace and find a health plan that meets your needs and fits your budget.
There will also be new protections for you and your family. Health insurance companies can't deny you coverage or charge you more due to pre-existing health conditions, and they can't charge women and men different premiums.
Explore the Marketplace now
Visit www.HealthCare.gov now to get answers to your questions and sign up for e-mail or text updates about the Marketplace. You can also call the Health Insurance Marketplace Call Center at 1-800-318-2596. TTY users should call 1-855-889-4325.
When open enrollment begins, you can go to the Marketplace and apply for health coverage, compare all your options, and enroll in a plan in one application. Open enrollment starts December 1, 2016. Coverage starts as soon as January 1, 2017.
1. Explore current options. You may be able to get coverage now through existing programs. Visit www.HealthCare.gov to learn more about health insurance for adults up to age 26 and programs for people and children in families with limited incomes including Medicaid and CHIP.
2. Learn about different types of health coverage. Through the Marketplace, you'll be able to choose a health plan that gives you the right balance of costs and coverage. You can be better prepared if you understand the types of coverage you'll choose from.
3. Make a list of questions you have before it's time to choose your health plan. For example, "Can I stay with my current doctor?" or "Will this plan cover my health costs when I'm traveling?"
4. Make sure you understand how insurance works, including things like premiums, deductibles, out-of-pocket maximums, copayments, and coinsurance.
You'll want to consider these details while you're exploring your options. Visit www.HealthCare.gov to learn more about how insurance works.
5. Gather basic information about your household income. Most people using the Marketplace will qualify to save money. To find out how much you're eligible for, you'll need income information like the kind you get on your W-2, pay stubs, or tax return.
6. Set your budget. There will be different types of health plans to meet a variety of needs and budgets. You'll need to figure out how much you want to spend on premiums each month.
7. Ask your employer if it plans to offer health insurance in 2016. If not, you may need to get insurance through the Marketplace or from other sources in 2016.