We want you to know about increased access to health insurance.
We believe that families and communities are stronger when everyone has access to quality, affordable health care. Learn more about changes and opportunities to enroll in health insurance.
The Health Insurance Marketplace is a destination where people can learn about health insurance options in easy to understand language. Through the Marketplace, you can compare health insurance options based on price, benefits, quality and other factors. Applicants will have a clear picture of premiums and cost-sharing amounts to help choose insurance that best fits their needs. When you fill out the Marketplace application, you’ll find out if you qualify for a private health insurance plan and whether you qualify for lower costs based on your household size and income. Some people may qualify for the Medicaid and Children’s Health Insurance Programs in their state. Even if you don’t qualify for lower costs, you can still use the Marketplace to buy insurance.
The Health Insurance Marketplace: What does it mean to you?
1. Better health insurance choices
The Health Insurance Marketplace is a 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 offers 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.
2. Insurance plans run by private companies
Insurance plans in the Health Insurance 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 are also 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.
3. Opportunity to learn more and get covered
There are three ways for you to learn more and get covered. You can enroll online (HealthCare.gov), over the phone (800.318.2596) or with in-person assistance (localhelp.healthcare.gov). You’ll have the opportunity to compare private plans side-by-side and choose the one that fits your family and budget.