Marketplace open enrollment is Nov. 1, 2022 – Jan 15, 2023. You may also qualify for a special enrollment period for life events like losing coverage, getting married, moving or having a baby.
What is the Health Insurance Marketplace?
The Health Insurance Marketplace (“Marketplace”) is a platform that allows people to shop for and enroll in medical and prescription coverage provided by private insurance companies. Marketplace plans are referred to using several different terms, including: Obamacare, Affordable Care Act (ACA), Health Exchange, and Individual & Family Coverage.
Marketplace insurance may be well-suited for you if you don’t have access to an affordable plan provided by your employer or if you have a low income and don’t qualify for Medicaid. Marketplace plans are available to anyone living in the U.S. who is a U.S. citizen or national and is not incarcerated.
The Marketplace is not government-provided insurance. Private insurance companies, such as Blue Cross Blue Shield, Centene, or UnitedHealthcare offer these plans on digital platforms (“exchanges”) operated by the federal government, or in some cases, state governments.
Depending on how much money you make and your family size, you may be eligible for additional discounts ("subsidies") to reduce the cost of Marketplace coverage. To see if you qualify, see the “Subsidies” section below.
Find out if you qualify for cost-saving subsidies.
Can I buy coverage through the Health Insurance Marketplace?
You can purchase health insurance through the Health Insurance Marketplace if you don't have coverage from another source.
You may be eligible for lower-cost monthly payments with health plans purchased through the Health Insurance Marketplace. Visit HealthCare.govopens a simulated dialog to see what financial support is available in your state.
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