Health Insurance
Tips about Health Insurance
If you don’t have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source that provides qualifying health coverage, you can find coverage through the Marketplace.
1. Open Enrollment runs from November 1 through January 15
- Enroll by December 15 for coverage that starts January 1
- Enroll by January 15 for coverage that starts February 1
2. Outside the yearly Open Enrollment Period, you can get coverage or change plans only if you:
- Have a life change or income that qualifies for a Special Enrollment Period
- Qualify for Medicaid or the Children’s Health Insurance Program (CHIP) — you can enroll any time of year and coverage can start immediately
3. Most people qualify for savings
Depending on your expected household income for the year, you may qualify for:
- Lower costs for your Marketplace plan, like the premium tax credit that lowers your monthly insurance bill, and for extra savings on out-of-pocket costs like deductibles and copayments.
- Coverage through Medicaid or the Children’s Health Insurance Program (CHIP). Your children may qualify for CHIP, even if you don’t qualify for Medicaid.
Get a quick idea if you’ll save.
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4. All Marketplace plans cover:
- 10 essential health benefits, including prescription drugs, emergency services, hospitalization, laboratory services, and mental health and substance use disorder services
- Free preventive health services at no cost to you when delivered by a doctor or provider in your plan’s network
- Coverage for pre-existing conditions
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