Health Insurance Blog - Healthcare.gov
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.

{% box %} Still need coverage for the rest of 2021? 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. {% endbox %}

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.)

{% box important %} Make sure you continue to pay your monthly premiums to your health insurance company on time.

If you don't, they could end your coverage. {% endbox %}

{% box %} Still need coverage for the rest of 2021?

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.

Get more information on activating your coverage by paying your first premium. {% endbox %}

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.

What does my Marketplace health plan cover?
Thu, 20 May 2021 00:00:00 +0000

All private health plans offered in the Marketplace must cover these 10 essential health benefits regardless of the plan category and type. (Note: These are the minimum requirements for all Marketplace plans. Specific services covered in each broad benefit category can vary based on your state's requirements.)

Image: 10 covered essential health benefits

Covered essential health benefits

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Pregnancy, maternity, and newborn care (pre and post birth)
  • Mental health and substance use disorder services
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care

Other services may be available to you

  • Marketplace plans include breastfeeding and birth control coverage.
  • Your plan may also offer dental and vision coverage and medical management programs (for specific needs like weight management, back pain, and diabetes).

See what else your Marketplace heath plan covers.

Do I qualify for lower costs on Marketplace coverage?
Thu, 06 May 2021 00:00:00 +0000

Need coverage for the rest of 2021? You have through August 15, 2021 to apply and enroll through the new Special Enrollment Period for the coronavirus disease 2019 (COVID-19) emergency. You might qualify for savings, even if you didn’t before. In fact, most people do!

Image: Find out fast if you qualify for savings–most people do

Get an idea of 2021 savings

Answer a few easy questions about you and your household to see what you could save on a health plan. You don’t even have to log in. Follow these quick steps:

  1. Select your household size, state, and estimated 2021 income range (if your state runs its own Marketplace, visit their website).
  2. Submit to see if you may qualify for Marketplace savings.
  3. Fill out an application to find out your savings and plan prices. Create an account, or log into an existing one.

Learn more about the new savings and lower costs available for 2021 Marketplace health insurance.

3 ways to use your health coverage when you feel well
Thu, 22 Apr 2021 00:00:00 +0000

Health insurance isn’t just for when you’re sick. Here’s how you can use your Marketplace coverage any time.

Image: How to stay healthy and get proper care

3 tips for staying healthy & getting the care you need

  • Take advantage of free preventive services. Marketplace plans cover a set of preventive services, like shots and screening tests, at no cost to you when delivered by a doctor or other provider in your plan’s network. Ask them what preventive services are right for you.
  • Know where to go for care. You can get health care at many different places, including the emergency department when you’re injured or very sick. But it’s best to get routine care from a primary care provider. They work with patients regularly to help ensure they get the right services, manage their chronic conditions, and improve their health and well-being. It might take more than one visit to figure out if a provider is right for you, so it’s important to be proactive and start your search before you need them.
  • Understand your Summary of Benefits and Coverage. Insurance plans can differ by the providers you see and how much you have to pay. Ask your insurance company for a Summary of Benefits and Coverage document. It’ll tell you the key features of your plan, like what’s covered and what your share of the cost might be for certain services.

Get more tips on using your Marketplace coverage.

2020 taxes & health insurance: Get tips
Thu, 08 Apr 2021 00:00:00 +0000

If anyone in your household had a Marketplace plan in 2020, you’ll use Form 1095-A, Health Insurance Marketplace® Statement to fill out Form 8962, Premium Tax Credit (PDF, 110 KB).

Image: Marketplace coverage and your 2020 tax return

How to use Form-1095-A

  1. Your 1095-A contains information about Marketplace plans any household members had in 2020. Before you file, make sure it’s accurate. If it’s not, contact the Marketplace Call Center, and wait to file until you get a corrected version.

  2. Use the information from your 1095-A to complete Part II of Form 8962. See how to reconcile.

What if I didn’t have a Marketplace plan in 2020?

Learn how to file your 2020 federal taxes based on the type of coverage you had.

New, lower costs on Marketplace coverage available now
Thu, 01 Apr 2021 00:00:00 +0000

You may be eligible for more savings and lower costs on Marketplace health insurance due to the American Rescue Plan Act of 2021 — even if you weren’t before! Health insurance premiums after these new savings will go down.

You have through August 15, 2021 to enroll in or change 2021 health coverage through the new Special Enrollment Period for the coronavirus disease 2019 (COVID-19) public health emergency.

Image: More Marketplace savings & lower costs available now

New to the Marketplace?

Already have a Marketplace plan?

  • You can still take advantage of these extra savings. Log in, and submit your application again to see your new eligibility results with the extra tax credit amount. You’ll get your eligibility results right away.
  • If you qualify for more tax credit, reselect your current plan in order for the changes to take effect to lower your premiums for the rest of the year.
  • Note: Your deductible may start over. Call your insurance company before changing plans or adding a new household member to find out.

Learn more about the new savings available.

Quick tips to 'reconcile' your taxes
Thu, 25 Mar 2021 00:00:00 +0000

If anyone in your household had Marketplace health coverage in 2020, you should have already received Form 1095-A, Health Insurance Marketplace® Statement. (If you didn’t get the form online or by mail, contact the Marketplace Call Center.)

Image: How to reconcile with accurate Form 1095-A

How to use Form 1095-A

  • If your form is accurate, you’ll use it to "reconcile" your premium tax credit. If there are errors, contact the Call Center. We’ll send you a new, updated one. Don’t file your federal taxes until you have it.
  • To "reconcile," you’ll compare the amount of premium tax credit you used in advance during 2020 against the premium tax credit you actually qualify for based on your final income for the year. 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 2020?

Enroll by August 15 for 2021 health insurance
Thu, 11 Mar 2021 00:00:00 +0000

You have through August 15 to enroll in or change your Health Insurance Marketplace® plan with a Special Enrollment Period due to the coronavirus disease 2019 (COVID-19) emergency.

Image: Enroll through August 15

All plans available at HealthCare.gov cover essential health benefits, like primary care visits, and many preventive care services at no cost to you.

Coverage may be more affordable than you think

Ready to apply?

  • If you’re new to HealthCare.gov, create an account to apply for the first time.
  • If you already have an account and want to change plans, just log in.
What free services are included in my coverage?
Thu, 25 Feb 2021 00:00:00 +0000

Marketplace plans cover a set of preventive services — like shots and screening tests — at no cost to you.

Image: Why prioritize preventive care

What are preventive health services?

  • Preventive services are routine health care procedures, like screenings, check-ups, and counseling to prevent illness, disease, and other health problems.
  • Taking advantage of these free services can help detect illness early, when treatment is likely to work best, so talk to your provider about what’s right for you.
  • Get specific lists of preventive services for adults, women, and children.

Where can I go for preventive care?

  • Preventive services are free only when you get them from a doctor or other provider in your plan’s network. (A network is the facilities, providers, and suppliers your health insurance company has contracted with to provide health care services.)
  • Contact your insurance company to see which providers are "in-network."

Get more information on preventive and wellness services for the whole household.

It's tax season: Have Form 1095-A?
Fri, 12 Feb 2021 00:00:00 +0000

If anyone in your household had a Marketplace plan in 2020, you should have received Form 1095-A, Health Insurance Marketplace® Statement, by mail from the Marketplace (not the IRS). After confirming that it’s accurate, be sure to store it with important tax information, like W-2 forms and other records, so that you can easily find it when you’re ready to file.

Image: How to Find Form 1095-A online

How to find Form 1095-A online

If it didn’t arrive in the mail or you can’t find it, check your HealthCare.gov account by following these steps:

  1. Log in to your HealthCare.gov account.
  2. Under "Your Existing Applications," select your 2020 application — not your 2021 application.
  3. Select "Tax Forms" from the menu on the left.
  4. Download all 1095-As shown on the screen.

If it isn’t there, contact the Marketplace Call Center.

What to do with Form 1095-A

  • You can’t file your federal taxes without Form 1095-A. You’ll need it to "reconcile" — find out if there's any difference between the premium tax credit you used in 2020 and the amount you qualify for.
  • Before you do anything, check to make sure it’s right.
  • 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.
Get ready for tax season
Thu, 28 Jan 2021 00:00:00 +0000

Tax filing season is here. If you had Marketplace coverage in 2020, follow these steps to get ready.

Image: Steps to reconcile your premium tax credit for 2020 taxes

1. Keep an eye out for Form 1095-A

  • Your 1095-A includes information about Marketplace plans anyone in your household had in 2020.
  • It will come in the mail by early February from the Marketplace (not the IRS). You may also get it in your HealthCare.gov account before then.

2. Make sure your Form 1095-A is right

  • Carefully read the instructions on the back. Confirm that your household and coverage information, the "second lowest cost Silver Plan," and the monthly premium are correct.
  • If you find errors, contact the Marketplace Call Center. We’ll send you an updated copy. Wait to file until you have it.
  • If it’s right and you aren’t ready to file, store it in a safe place.

3. "Reconcile" with your correct Form 1095-A when you’re ready to file

  • You’ll use the information from your accurate 1095-A form to complete Part II of Form 8962 (PDF, 110 KB).
  • The table on this page explains how to "reconcile."
  • Any difference between the amount of premium tax credit you used in advance during the year and the premium tax credit you actually qualify for will affect your refund or the amount of taxes you owe.
Newly insured? Get answers to your health coverage questions
Thu, 14 Jan 2021 00:00:00 +0000

Now that you're enrolled in a health plan for 2021, you probably have questions about how to get the most out of your new coverage. We’re here to help, even after you enroll.

Image: See tips on using your new Marketplace insurance

Does my new plan cover my prescriptions?

Your plan will help pay the cost of certain prescriptions. You may be able to buy other medications, but those on your plan’s list of covered drugs (formulary) will usually be less expensive. Visit your insurance company’s website (or call them directly), and review your Summary of Benefits and Coverage for a list of covered drugs.

How can I find a doctor in my plan?

Most health plans give you the best deal on services when you see a doctor who has a contract with your health plan. While you may be able to see doctors who don’t contract with your plan, visiting an "in-network" provider usually means you’ll have lower out-of-pocket costs. Learn how to find a doctor in your plan.

How can I use my new coverage to improve my health?

Now that you have health coverage, learn what you can do to stay healthy and get the care you need by reading From Coverage to Care: Roadmap to Better Care and a Healthier You (PDF, 698 KB). Here you’ll find tips on how to make and prepare for an appointment.

Learn more about using your new Marketplace insurance.


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