People without access to health insurance can enroll for standardized coverage through the new health insurance marketplaces that are run by their state, the federal government, or a combination of the two. The Health Insurance Marketplace — also known as Health Exchanges — is part of the Patient Protection and Affordable Care Act. The Marketplace will help you find health insurance that fits your budget and meets your needs.
The best place to get the latest, most accurate, information on the Marketplace is HealthCare.gov. There, you can learn what the Health Insurance marketplace is, who can apply for insurance, how to get insurance, how to lower your costs and more. If you own a small business, there’s information for you too.
The Marketplace will help you find health insurance that fits your budget and meets your needs with less hassle. No matter where you live, you may buy insurance from private health plans that provide a comprehensive set of benefits, including doctor visits, hospital stays, preventive care and prescriptions. In addition, plans in the Marketplace must treat you fairly; they can’t deny you coverage because of a pre-existing condition.
With a single application, you can also see if you qualify for Medicaid or the Children’s Health Insurance Program or for savings you can use right away to lower your health insurance premiums.
At HealthCare.gov, you can read information that pertains to you, print checklists and watch videos that will help you get ready to apply and enroll. You and your family can explore every qualified health plan in your area, and fill out an application when you’re ready. You’ll be able to take control with better information, including details about benefits and prices presented in clear language you can understand, so you’ll know what your premiums, deductibles and other costs will be before you make a choice.
Once you’ve decided on a plan, you don’t need to go anywhere else.
Want help or need more information?
As you explore your options on the Marketplace, you may want to get some help. Call a toll free number, 844-894-0595, to speak with a trained customer service representative who can give you help with your choices