Health Insurance Marketplace
The Health Insurance Marketplace (a part of the Affordable Care Act, sometimes called "Obamacare") helps people without health coverage find and enroll in a plan that fits their budget and meets their needs.
The Marketplace is Open!
Visit HealthCare.gov to learn about your options for coverage.
Apply for Health Coverage
Steps to apply
Individuals and Families
- Gather social security numbers and employer income information for everyone in your household.
- Visit Healthcare.gov or call the call center at 1-800-318-2596 during open enrollment.
- Get free, in-person assistance with your application by:
Businesses with 50 employees or fewer can offer affordable employee health plans through the SHOP website.
All marketplace plans cover important services like emergency care, hospital stays, and prescriptions called essential health benefits. This also includes preventive care services like screenings, immunizations and wellness visits.
No health insurance provider can refuse you coverage for having a pre-existing condition and there is now a limit on how much you can spend out of your own pocket on hospital bills.
Keeping Costs Low
Many people who apply for a Marketplace plan get help paying their monthly bill (also called a "premium") through Marketplace tax credits. Tax credits are calculated based on your household income and family size. Get an estimate of plan costs and options.
Everyone is required to have insurance whether it's through an employer, Marketplace insurance, Medicaid, or Medicare. If you don't have insurance you have the choice to purchase coverage, file an exemption, or pay a fee.