Health Insurance Blog - Healthcare.gov
Find health insurance for recent graduates
Thu, 19 May 2022 00:00:00 GMT

Congratulations graduates. As you enter your next chapter, don’t forget how important it is to have health insurance to protect you in case you get hurt or sick. Since you’re just starting out, you may qualify for savings that can make insurance less expensive.

3 health insurance options for young adults

For more on the coverage options available to you at HealthCare.gov, get a quick overview of the Health Insurance Marketplace®.

Remember to update us when your income & household changes
Thu, 05 May 2022 00:00:00 GMT

If you have Marketplace coverage and your income or household size recently changed, update your application to let the Marketplace know. These changes may impact the coverage or savings you’re eligible for, like you may qualify for more savings than you’re getting now. Act quickly so you don’t miss out.

What changes to report

  • Income changes (like if you got a raise)
  • Household changes (like if you had a baby or got married)
  • Status changes (like a change in disability or citizenship status)

Get the full list of changes to report.

Why update your application right away

Depending on your changes, you may qualify for more or less savings. Telling us will make sure your savings are correct.

  • If your income goes up or you lose a family member, you may qualify for less savings than you’re getting now.
  • If your income goes down or you gain a household member, you may qualify for more savings. You could also qualify for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).

If you don’t update, you may miss out on additional savings or pay money back when you file your taxes.

How to report changes

There are 3 ways to report changes to the Marketplace:

  • Update your application online
  • By phone
  • In-person 

We don’t accept changes by mail. Find the steps for your preferred method to update.

5 preventive services covered by Marketplace plans
Thu, 21 Apr 2022 00:00:00 GMT

All Marketplace plans cover a set of preventive services to prevent illness, disease, and other health problems at no cost to you, even if you haven’t met your yearly deductible. These services are free only when you get them from a doctor or other provider in your plan’s network. Contact your health plan to see which providers are "in-network."

5 common preventive health services

Preventive services include things like screenings, tests, check-ups, and counseling. Here are 5 benefits available to adults with Marketplace coverage.

  • Blood pressure screenings
  • Cholesterol screenings (for certain ages and people at high risk)
  • Depression screenings
  • Immunizations
  • Obesity screenings and counseling

See the full list for adults. Other services are also available to women and children.

Get more information on preventive care

  • Take advantage of these free services to help find health problems early, when treatment is likely to work best. Talk to your provider about what’s right for you.
  • Get more information on preventive and wellness services for your whole family.
2021 Marketplace coverage? Beat the filing deadline & get tax tips
Thu, 07 Apr 2022 00:00:00 GMT

The last day to file your 2021 federal income taxes is April 18, 2022 – that’s less than 2 weeks away! If anyone in your household had Marketplace health coverage in 2021, you should have received Form 1095-A, Health Insurance Marketplace® Statement. (If you didn’t get the form online or by mail, contact the Marketplace Call Center.)

How to use Form 1095-A

  • If your form is correct, use it to "reconcile" your premium tax credit. If you find a mistake, contact the Call Center. We’ll send you a new, updated form. Don’t file until you have a correct form.
  • To "reconcile," you’ll compare the amount of premium tax credit you used during the year with the premium tax credit you qualify for based on your final income. Any difference will affect your refund or the amount of taxes you owe.
  • Get a step-by-step guide to "reconciling" your premium tax credit.

Didn’t have Marketplace coverage in 2021?

 

You may qualify for a Special Enrollment Period with a life event
Thu, 24 Mar 2022 00:00:00 GMT

Open Enrollment for 2022 is over, but you may still qualify to enroll in or change Marketplace coverage for the rest of the year if you’ve had a recent life event. Getting married, having a baby, moving, and losing health coverage all count. (Note: These are the most common life changes; here’s the full list of qualifying life events). In addition to having a life event, you may also qualify based on your estimated household income.

Do I qualify for a Special Enrollment Period?

Does my income change make me eligible for Medicaid or CHIP?

Learn more about 2022 coverage options.

How to file taxes using Form 1095-A, Health Insurance Marketplace® Statement
Thu, 10 Mar 2022 00:00:00 GMT

Attention: There’s less than one month until the April 18, 2022 tax filing deadline. If anyone in your household had a Marketplace plan in 2021, you’ll use Form 1095-A, Health Insurance Marketplace® Statement to file your federal taxes. This form came from the Marketplace, not the IRS. Make sure this form is correct, then store it with your other important tax information.

Can’t find Form 1095-A? Check online

If Form 1095-A didn’t arrive in the mail or you can’t find it, check your HealthCare.gov account:

  1. Log in to your HealthCare.gov account.
  2. Under "Your Existing Applications," select your 2021 application — not your 2022 application.
  3. Select “Tax Forms” from the menu on the left.
  4. Download all 1095-As shown on the screen.

If you still can’t find your form, contact the Marketplace Call Center.

How to use Form 1095-A

  • You’ll use this form to "reconcile" — find out if there's any difference between the premium tax credit you used and the amount you qualify for – on your taxes.
  • Before you start, make sure it’s right.  If you filed your taxes with an incorrect form, you may need to file an amended tax return using the correct information.
Health care & 2021 taxes: What you need to know
Thu, 24 Feb 2022 00:00:00 GMT

The 2021 tax filing season ends April 18, 2022. Here’s how you can get ready if you had Marketplace coverage at any point in 2021.

1. Keep Form 1095-A in a safe place 

2. Check that your Form 1095-A is correct

3. "Reconcile" with your correct Form 1095-A

  • Use the information from your correct Form 1095-A to complete Part II of Form 8962 (PDF, 110 KB).
  • The chart on this page shows how to "reconcile".
  • If there’s a difference between the amount of premium tax credit you used during the year and the premium tax credit you actually qualify for, this may affect your refund or the amount of taxes you owe.
How to use your new Marketplace insurance
Thu, 10 Feb 2022 00:00:00 GMT

Congratulations on getting covered for 2022. At HealthCare.gov, we’re here to help you understand how to use your new coverage. Get answers to common health insurance questions.

What prescriptions are covered by my new plan?

  • Your plan will help pay the cost of certain prescriptions.
  • Medications on your plan’s list of covered drugs (called a "formulary") are usually cheaper.
  • Visit your plan’s website, call their Member Services, or review your Summary of Benefits and Coverage for a list of covered drugs.

How can I find a doctor in my plan?

Where can I get tips on using my new coverage?

It's tax season! Find Form 1095-A
Thu, 27 Jan 2022 00:00:00 GMT

If anyone in your household had a Marketplace plan in 2021, you'll need Form 1095-A, Health Insurance Marketplace® Statement, to file your federal taxes. You should get it in the mail by early February. Keep it with your important tax information, like W-2 forms and other records.

What to do with Form 1095-A

  • Before you do anything, check to make sure it's correct.
  • If you already filed with an incorrect form, you may need to file an amended tax return using the information on your corrected 1095-A.
  • You'll use Form 1095-A to check if there's any difference between the premium tax credit you used in 2021 and the amount you qualify for.

How to find Form 1095-A online

The Marketplace (not the IRS) mails you Form 1095-A. You can also find it online.

  1. Log in to your HealthCare.gov account.
  2. Under "Your Existing Applications," select your 2021 application — not your 2022 application.
  3. Select "Tax Forms" from the menu on the left.
  4. Download all 1095-As shown on the screen.

Still can't find it? Call the Marketplace Call Center.

Now that Open Enrollment is over, see health insurance options
Sun, 16 Jan 2022 00:00:00 GMT

If you missed the January 15 deadline for 2022 coverage, you may still be able to get or change 2022 coverage 2 ways: with a Special Enrollment Period or through Medicaid or the Children's Health Insurance Program (CHIP).

 

See if you qualify for a Special Enrollment Period

See if you’re eligible for Medicaid or CHIP

  • Medicaid and CHIP provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities.
  • Medicaid and CHIP don't have Open Enrollment Periods, so if you’re eligible, you can enroll any time.
  • To see if you may qualify, enter your ZIP code and get an estimate.
Last chance: 2022 Open Enrollment ends in 2 days
Thu, 13 Jan 2022 00:00:00 GMT

You have 2 days left to get health insurance this year. Open Enrollment for 2022 Marketplace health plans ends January 15. Act now to enroll in, or change health coverage that meets your needs and budget. Coverage starts February 1.

Enroll or change health plans by January 15

  • New to HealthCare.gov? Create an account to fill out an application for the first time.
  • Already have an account? Log in to update your application, compare plans, and change or renew for 2022. Even if you were automatically re-enrolled, it’s important to:
    • Update any income and household changes. Otherwise, your savings could be wrong.
    • Compare plans. If you don’t, you could miss out on new plans and prices that better meet your needs.

Fast help is available

Attention: Less than 2 weeks left to enroll in 2022 Marketplace coverage
Thu, 06 Jan 2022 00:00:00 GMT

You have less than 2 weeks to enroll in, change or update your Marketplace health insurance for 2022. The deadline is Saturday, January 15, 2022.

Update & compare, even if you want to keep the same plan

  • Even if you had 2021 coverage and want to keep the same plan for 2022, it’s important to update your application with any expected income and household changes.
  • There may be new plans that better fit your needs.
  • Plus, updating your information will make sure you get the right amount of savings.

Act now & beat the January 15 deadline

Pay your premium to activate your coverage
Thu, 23 Dec 2021 00:00:00 GMT

Before you can start using your new 2022 Marketplace coverage, you must pay your first premium — the amount you pay for your health insurance every month — directly to the insurance company (not the Marketplace).

Here’s how. (Follow your insurance company’s instructions carefully. You may be able to pay online at HealthCare.gov.)

How to pay your monthly premiums

Learn more about completing your enrollment by paying your premium.

Apply now. 1 month to get 2022 Marketplace insurance
Thu, 16 Dec 2021 00:00:00 GMT

Important: Open Enrollment ends January 15, 2022. This means you have less than one month to enroll in or change Marketplace health insurance for 2022. Coverage starts February 1, 2022.

If you miss the deadline, you can only enroll in or change your health plan for 2022 if you qualify for a Special Enrollment Period.

Apply & enroll today

Have questions or need help? Free, fast assistance is available.

Last chance: Act by Dec 15 for coverage that starts Jan 1
Thu, 09 Dec 2021 00:00:00 GMT

This is the last chance to get 2022 Marketplace health insurance that starts January 1. The deadline is Wednesday, December 15. That means you have only 6 days to enroll in, re-enroll in, or change 2022 Marketplace coverage that starts January 1. You don’t want to miss out on affordable coverage that meets your needs and budget.

How to apply & enroll

  • New to HealthCare.gov? Create an account to fill out an application for the first time.
  • Have 2021 Marketplace coverage? Log in to update your application, compare plans, and change or renew for 2022. Even if you may be automatically re-enrolled, it’s important to:
    • Update any income and household changes. Otherwise, your savings could be wrong.
    • Compare plans. If you don’t, you could miss out on new plans and prices that better meet your needs.

Fast help is available

Attention: Less than 2 weeks left to get Marketplace coverage that starts Jan 1
Thu, 02 Dec 2021 00:00:00 GMT

You have less than 2 weeks to enroll in, change or update your Marketplace health insurance for 2022 coverage that starts January 1. The deadline is December 15, 2021.

Update & compare, even if you want to keep the same plan

  • Even if you have 2021 coverage and want to keep the same plan for 2022, it’s important to update your application with any expected income and household changes.
  • There may be new plans that better fit your needs.
  • Plus, updating your information will make sure you get the right amount of savings.

Act now & beat the December 15 deadline for coverage that starts January 1, 2022

Don’t miss out: 1 month to get Marketplace insurance that starts Jan 1
Thu, 18 Nov 2021 00:00:00 GMT

Important: Act by December 15, 2021 for coverage that starts January 1. This means you have less than one month to enroll in or change Marketplace health insurance for coverage that starts January 1, 2022.

If you miss the December 15 deadline, the last day to enroll in or change plans for 2022 coverage is January 15 when Open Enrollment ends. For coverage to start:

  • January 1, 2022: Enroll by December 15, 2021
  • February 1, 2022: Enroll by January 15, 2022

Apply & enroll today

Have questions or need help? Free, fast assistance is available.

See if you could save on a 2022 Marketplace health plan – most people do!
Thu, 11 Nov 2021 00:00:00 GMT

Open Enrollment for 2022 coverage ends January 15, 2022. Get an idea of what your costs may be by answering a few quick questions – you don’t even have to log in. More people than ever qualify for savings, even those who weren’t eligible before!

Will you save on a 2022 Marketplace plan?

Get exact savings & apply now

Quick tips: Choosing the right Marketplace plan for your household
Thu, 04 Nov 2021 00:00:00 GMT

Open Enrollment for 2022 is here and ends January 15. Plans have different premiums and out-of-pocket costs and may differ in covered services and benefits. Knowing a few things before you compare can simplify the process of choosing a plan.

Understand your options when comparing Marketplace plans

  • Metal categories, like Bronze, Silver, Gold, and Platinum, show how you and your plan share costs. They have nothing to do with quality of care. No matter which metal category you choose, you can save a lot of money on your monthly premium based on your income. But if you qualify for cost-sharing reductions, you must choose Silver to get the extra savings.
  • There are also different plan types, like HMO, PPO, POS, and EPO. Some types allow you to use almost any doctor or health care facility. Others limit your choices or charge you more if you go out‑of‑network.
  • Consider the total health care costs, not just the bill (the "premium") you pay to your insurance company every month. Other amounts, sometimes called "out-of-pocket" costs, have a big impact on your total spending. Before you decide, think about how much care you usually use, or are likely to use in 2022.

No matter the level, type, or cost, all Marketplace plans cover essential health benefits, coverage for pre-existing conditions, and free preventive care services.

Starting today, enroll in or renew 2022 health coverage
Mon, 01 Nov 2021 00:00:00 GMT

Attention: Enroll in or renew 2022 health insurance today! You have through January 15 to apply for new 2022 health insurance, or renew, change, or update your 2021 health plan for 2022. Enroll by December 15, 2021 for coverage that starts January 1, 2022.

Apply online now: Start a new application or update an existing one

Need enrollment help?

  • You can get help filling out your application 3 ways: by phone, with an in-person assister, or with an agent/broker. (No matter who helps you, you can get premium tax credits and other savings only if you enroll in a Marketplace plan.)
  • Get help applying for health insurance.

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