Health Insurance Blog - Healthcare.gov
Attention: Less than 2 weeks left to get Marketplace coverage that starts Jan 1
Thu, 02 Dec 2021 00:00:00 +0000

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.

Image: Act now and beat the December 15th deadline

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 +0000

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.

Image: Time's running out. Don't miss the December 15th deadline

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 +0000

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!

Image: In minutes find out if you’ll save on 2022 Marketplace coverage

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 +0000

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.

Image: Things to think about when comparing Marketplace plans

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 +0000

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.

Image: Open Enrollment is here! Apply now

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.
Open Enrollment for 2022 coverage is days away
Wed, 27 Oct 2021 00:00:00 +0000

The wait is almost over: Open Enrollment for 2022 health insurance starts November 1. As you get ready to apply, here are a few important things to know:

Image: Tip: Mark the Open Enrollment deadline on your calendar

Enroll in or renew 2022 coverage starting November 1

  • Enroll by December 15, 2021 for coverage that starts on January 1, 2022.
  • Open Enrollment ends January 15, 2022. Mark this date on your calendar. If you enroll between December 16, 2021 and January 15, 2022, your coverage will start February 1, 2022. If you miss the deadline, you’ll have limited opportunities to enroll.
  • If you have 2021 coverage and want to keep your plan for 2022, we encourage you to report any anticipated changes to the Marketplace, like higher or lower income or adding or losing household members. These changes may affect your coverage options and the savings you’re eligible for. If you don’t act, you may be automatically enrolled for 2022 but miss out on new, better options.
  • With one application, you’ll find out if you qualify for savings on Marketplace insurance (most people do!) or free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP). If it looks like anyone in your household qualifies for Medicaid or CHIP, we’ll send your information to your state agency. They’ll contact you about enrollment.
Preview 2022 plans with price estimates today!
Mon, 25 Oct 2021 00:00:00 +0000

Before you apply for or renew 2022 coverage, you can preview 2022 plans with price estimates. You don’t even have to log in.

Image: Get a head start: See 2022 plans and price estimates today

You'll see exact prices when you apply during Open Enrollment from November 1 - January 15. The actual Marketplace application asks for more details.

See 2022 plans & prices before you apply

Prepare now: Open Enrollment starts soon
Thu, 14 Oct 2021 00:00:00 +0000

Open Enrollment for 2022 coverage begins in a little over 2 weeks! See what you can do today to make applying easier.

Image: Get ready for 2022 Open Enrollment with these tips

Get ready for 2022 Open Enrollment

See more ways to get ready.

Why enroll in 2022 Marketplace coverage?
Thu, 07 Oct 2021 00:00:00 +0000

Open Enrollment for 2022 Marketplace coverage runs November 1 – January 15. Here’s why you should consider enrolling in coverage.

Image: Reasons to enroll in 2022 Marketplace insurance

3 reasons to enroll in 2022 Marketplace coverage

  • Health coverage helps protect you from both health and financial risks. No one plans to get sick or hurt, but most people need medical care at some point. Health insurance can help cover these costs.
  • Plans are more affordable than ever. Provide some quick household information to see if your income may be in the range to save. (Also, check back soon to preview 2022 plans, with price estimates based on your income.)
  • With health insurance, you have access to free preventive care, like vaccines, screenings, and some check-ups, even before you meet your deductible (the amount you pay for covered health care services before your insurance plan starts to pay).

For more information, get a quick overview of the Marketplace.

Stay in the know with Marketplace reminders
Fri, 01 Oct 2021 00:00:00 +0000

Connect with the Marketplace today, so you don’t miss out on deadline reminders and useful tips. Open Enrollment for 2022 Marketplace coverage starts November 1, 2021 — it will be here before you know it!

Image: Don’t miss deadline reminders, key information, and more

3 ways to stay informed

  • Subscribe to email or text updates. Visit HealthCare.gov and enter your email address under "Get Important News & Updates." Click "Sign Up.”
  • Connect with us on social media. Follow us on Twitter and like us on Facebook.
  • Find someone near you for enrollment help. Enter your ZIP code for a list of assisters, agents, or brokers in your area. Some offer help in languages other than English and other specialized services.
Get your free flu shot this fall
Thu, 23 Sep 2021 00:00:00 +0000

The Centers for Disease Control and Prevention (CDC) recommends everyone 6 months and older get a yearly flu shot by the end of October. Flu viruses change from year to year, so even if you got the shot before, you should get a vaccine each year to protect against the most common types of viruses.

Image: Learn flu shot benefits

Getting the flu shot is quick, easy, & free

  • By getting the shot, you’re helping reduce the spread of flu-related illnesses, hospitalizations, and even death. And according to the CDC, the flu vaccine doesn’t increase the risk of getting COVID-19.
  • Babies, children, and older people are most vulnerable, but no one is immune to the flu. Getting the shot is a simple and free way to help protect yourself and your loved ones.
  • Immunizations are a covered preventive care benefit. With Marketplace health insurance, your flu shot is free from a provider in your plan's network.

Learn more about the seasonal flu shot and its benefits from the CDC.

Recently moved? You may be able to enroll in or change Marketplace coverage
Thu, 09 Sep 2021 00:00:00 +0000

A change to your living place may qualify you for a Special Enrollment Period, allowing you to change plans or enroll for the rest of 2021. Your next steps depend on if you moved to a different state or within the same one.

Image: Important: Your next steps depend on where you moved.

Did you move to a new state?

  • When you move to a new state, you can’t keep your current coverage. Report the move to the Marketplace, so you can enroll in a new plan without a break in coverage. By quickly reporting the move, you’ll also avoid paying for coverage that doesn’t apply where you now live.
  • Follow these steps to update your application if you already have 2021 Marketplace coverage.
  • If you’re new to the Marketplace and applying for the first time, create a HealthCare.gov account. (If your state runs its own Marketplace, use their website.)

Did you move within the same state?

Learn more about other income and household changes to report to the Marketplace.

When can I enroll in 2022 Marketplace insurance?
Thu, 26 Aug 2021 00:00:00 +0000

Open Enrollment for 2022 health coverage is almost here! Here are some important dates to mark on your calendar:

Image: Key dates for 2022 Marketplace health coverage

When can I enroll in 2022 Marketplace coverage?

  • Open Enrollment starts Monday, November 1.
  • Enroll by December 15, 2021 for coverage that starts January 1, 2022.

Looking for coverage for the rest of 2021? Answer these questions to see if you can apply through a Special Enrollment Period. You can also enroll in Medicaid or the Children's Health Insurance Program (CHIP) any time, if you’re eligible. Coverage can begin immediately.

Life changes? You can still get 2021 health coverage
Mon, 16 Aug 2021 00:00:00 +0000

Now that the August 15 enrollment deadline due to the coronavirus disease 2019 (COVID-19) emergency has passed, you can get or change 2021 Marketplace coverage only if you have a life event that qualifies you for a Special Enrollment Period.

Image: Life events that qualify for a Special Enrollment Period

What life events qualify you for a Special Enrollment Period?

How to apply with a Special Enrollment Period

If you're not eligible to apply with a Special Enrollment Period for the rest of 2021, you can apply for a 2022 health plan November 1 through December 15, 2021.

Attention: Enroll or change your health plan by August 15
Thu, 12 Aug 2021 00:00:00 +0000

Need coverage for the rest of 2021? You have through August 15, 2021 to enroll in or change Marketplace health insurance plans due to a Special Enrollment Period for the coronavirus disease 2019 (COVID-19) emergency. More people than ever before qualify for help paying for health coverage, even those who weren’t eligible in the past. Learn more about new, lower costs.

Image: Don’t miss the August 15 deadline to enroll or change plans

Beat the deadline & apply today

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Get help applying

Want to enroll in or change a 2021 Marketplace health plan?
Thu, 29 Jul 2021 00:00:00 +0000

You can change Marketplace health coverage if you’re already enrolled or can apply for the first time during the 2021 Special Enrollment Period through August 15, 2021.

Image: Don’t miss the August 15 deadline for the 2021 Special Enrollment Period

Applying for the first time?

Already have coverage but want to change plans?

  • Most people currently enrolled in a Marketplace plan may qualify for more tax credits.
  • Log in to update your application and enrollment. Your new eligibility results will be available right away, and they’ll show you the extra tax credit amount. Then, update your plan selection with increased tax credits.
  • Note: If you select a new plan, any out-of-pocket costs you already paid for your current 2021 Marketplace plan probably won’t count towards your new deductible, even if you stay with the same insurance company. Check with your insurance company before switching.

Learn more about the new Special Enrollment Period for the COVID-19 public health emergency and the new savings available.

Report income & household changes to the Marketplace as they happen
Thu, 15 Jul 2021 00:00:00 +0000

If you're enrolled in a Marketplace plan and your income or household changes, update your application as soon as possible. These changes may affect the coverage or savings you’re eligible for. If you don’t report them, you could qualify for more savings than you’re getting now or wind up having to pay money back when you file 2021 taxes next year.

Image: How and why to report income and household changes

How to report income & household changes

What to do if you move

  • If you’ve moved to a new address within the same state, update your application online.
  • If you moved to a different state, start a new application in your new state:
    • When you move to a new state, you can’t keep your plan from your old state.
    • Report out-of-state moves as soon as possible, so you can enroll in a new plan without a break in coverage and avoid paying for coverage that doesn’t apply in your new state.
  • See what to do if you move out of state.

Get more information on reporting changes to the Marketplace.

Have a healthy summer with these 3 tips
Thu, 01 Jul 2021 00:00:00 +0000

Here’s how you can use your Marketplace health insurance to help you stay healthy this summer.

Image: Have a great healthy summer

3 quick tips: Maintaining your health this summer

  • Take advantage of free preventive services, like screenings for things like cancer and depression, shots, and check-ups. These services are free only when delivered by a doctor or other provider in your plan’s network.
  • Increase activity with your doctor’s approval. Enjoy the beautiful weather by gardening or walking your dog. It doesn’t have to feel like exercise!
  • Get enough sleep. Sleep deprivation can impact your mood and performance. Learn how much sleep you need.

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See more tips on improving your health.

How to pay your first premium and start your new coverage
Thu, 17 Jun 2021 00:00:00 +0000

Now that you’re enrolled in 2021 Marketplace insurance, don’t forget to pay your monthly premium directly to your health insurance company, not to the Health Insurance Marketplace®. Your coverage won't start until you do.

Image: 4 steps to activate your health coverage

How to pay your monthly premium online at HealthCare.gov

  1. Log in to your Marketplace account.
  2. Select your application under "Your Existing Applications."
  3. Click the blue button "Pay Your First Health Insurance Monthly Premium."
  4. If online payment is available, choose the green button "Pay for Health Plan Now" to go to your insurance company's website. (If this isn’t an option, your insurance company should have contacted you with next steps. Reach out to them for information on how to pay or if you aren’t sure that you did. You can find their phone number on your plan brochure or their website.)

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You can enroll in Marketplace insurance through August 15, 2021 due to the coronavirus disease 2019 (COVID-19) emergency. More people than ever before qualify for help paying for health coverage, even those who weren’t eligible in the past.

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Your health insurance options after college
Thu, 03 Jun 2021 00:00:00 +0000

Congratulations, recent graduates! Here are 3 health insurance options to help protect you from unexpected medical costs if you get hurt or sick.

Image: 3 health insurance options for young adults

3 health insurance options for young adults

  • Enroll in Marketplace health coverage through August 15, 2021 due to the coronavirus disease 2019 (COVID-19) emergency. More people than ever before qualify for help paying for health coverage, even those who weren’t eligible in the past.

  • If you’re under 26, you may be able to enroll in a parent’s health insurance plan if their plan covers dependents.

  • If you’re just starting out, you may qualify for free or low-cost coverage through Medicaid. If you qualify, you can enroll immediately. When your income increases, you can adjust or change your coverage to make sure you're getting the right amount of savings.

    • When you apply for Marketplace coverage, we’ll tell you if you qualify for an insurance plan with savings based on your income, or for Medicaid.
    • If you have children, you’ll find out if they qualify for coverage through the Children’s Health Insurance Program (CHIP).

Get information on applying at HealthCare.gov.


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