Your Agency
Health, Life, Dental & Group Insurance Quotes Fast, Easy & Online!
Call Us Today!
866-478-6848

Blog

  • Moving to a new state? You’ll need a new health plan

    When you move to a new state, you can’t keep a health insurance plan from your old state. To make sure you stay covered, report your move to the Marketplace as soon as possible. This way you can enroll in a new plan and avoid paying for coverage you won’t be able to use in your new state.

    Image: {What do you when you move to a new state}

    How to report a move to a new state

    • When you move to a new state, your coverage options will change. You may no longer be eligible for your current plan.
    • New plans, prices, and savings may be available to you.
    • To get coverage in your new state, you’ll need to start a new Marketplace application or apply through your new state’s website (if your new state runs its own Marketplace).
    • Get screen-by-screen uploading directions, with pictures (PDF), or follow these steps.

    Move within the same state?

    Learn more about reporting a move to the Marketplace.

  • 4 steps to take after your doctor’s appointment

    Now that you've found a doctor you trust, there are several steps you can take to maintain your good health.

    Image: {Tips for after you visit your doctor}

    4 steps to take after your appointment

    • Follow any instructions, and fill any prescriptions you were given. Health plans will help pay the cost of certain prescription medications. Call your insurance company or visit their website to see what prescriptions are covered and which pharmacies you can use.
    • Schedule a follow-up visit, if you need one. Write down the appointment where you’ll remember it.
    • Review your Explanation of Benefits, and pay your medical bills. After your visit, you may get an Explanation of Benefits in the mail from your insurance company. This is an overview of the total charges for your visit and how much you and your health plan will have to pay. Be sure to pay your bills on time, and keep any paperwork.
    • Contact your doctor or health plan with any questions. If you have concerns between visits, call your doctor’s office. They can help answer questions you have about your health.

    Learn more about your next steps after an appointment (PDF).

  • Attention college grads: Know your health insurance options

    Congratulations, graduates! Whether you’re starting a new job or planning your next move, you have options for health insurance. Getting insured may be easier than you think.

    Image: {Health insurance options for college graduates}

    3 health insurance options for new college grads

    • Buy a Marketplace plan. You may be eligible to enroll in Marketplace health insurance for the rest of 2018 if you have a life event — like moving to or from the place you attended school, or losing other health insurance (like dropping off a student plan or your parents’ coverage) — that qualifies you for a Special Enrollment Period.
    • If you’re under 26, stay or get added to your parents’ plan. If a parent’s health insurance plan covers dependents, you usually can be added to their plan and stay on it until you turn 26. Learn more about getting on your parent’s plan.
    • Get Medicaid, if you qualify. If you’re working part time, starting a business, or otherwise aren’t making much money, you may qualify for Medicaid. If you qualify, coverage can start right away, any time of year.

    Get more information on health insurance options for young adults.

  • Is your doctor right for you?

    Your health and well-being are important and personal. You should have a doctor you trust and feel comfortable with.

    Image: {Finding a doctor you trust}

    5 questions to ask yourself after a doctor’s visit

    • Were all your health needs addressed?
    • Did the doctor pay attention to your concerns?
    • Did the doctor answer your questions in a way that was easy to understand?
    • Did the doctor speak in a way that made you comfortable?
    • Could you contact the doctor/office staff with follow-up questions?

    Here’s a longer list of questions you can ask (PDF).

    Next steps

    • If you answered “Yes” to the questions above, you may have found a doctor that’s right for you.
    • If you answered “No” to one of these questions, do you think the doctor would make changes if you spoke up? Sometimes asking for what you need is the best way to get it.
    • If you decide to switch doctors, start by checking your plan’s list of "in-network" providers. Get tips on finding a new provider (PDF).

  • Get Medicaid & CHIP anytime if eligible

    Medicaid and the Children’s Health Insurance Program (CHIP) are free or low-cost health programs that cover many services, like hospitalizations, doctor visits, and prescription drugs. If you qualify for Medicaid or CHIP, your coverage can start right away, any time of year.

    Image: {See if eligible for Medicaid & CHIP}

    Who qualifies for Medicaid & CHIP

    How to apply for Medicaid & CHIP

    • You can apply through the Health Insurance Marketplace. Fill out an application, and if it looks like anyone in your household qualifies for Medicaid or CHIP, we’ll automatically send your information to your state agency. They’ll contact you about enrollment.
    • You can also apply directly with your state Medicaid agency. Select your state from the drop-down list for your Medicaid agency’s contact information.

    Learn more about Medicaid and CHIP coverage.

  • No health insurance? See if you qualify for a Special Enrollment Period

    If you have certain types of life changes — like losing health coverage, moving, getting married, or having a baby — you may qualify for a Special Enrollment Period to enroll in a Marketplace plan for the rest of 2018.

    Image: {Life events for Special Enrollment Period}

    Do you qualify for a Special Enrollment Period?

    If you already know you qualify, start an application:

  • Attention: Tax day is less than one week away!

    Don’t miss the April 17, 2018, deadline to file 2017 taxes and report your health coverage! No matter how you got health coverage — whether through the Marketplace, your job, or another source — you must report your 2017 coverage status to the IRS when you file taxes.

    Image: {Don’t miss 2017 tax deadline}

    Get step-by-step directions & tax forms:

    Tax help is available:

  • 5 tips to prepare for doctor’s visits

    Visiting the doctor soon? Here are 5 things you can do to get ready.

    Image: {Tips for before you visit your doctor}

    Get ready for your doctor’s visit

    • Bring your insurance card with you. After you enrolled in a plan, you should have gotten a card or other proof of your insurance in the mail. (If you didn’t get a card, contact your health plan.)
    • Know your family health history. Share with your doctor any family health history and medical records, if you have them.
    • Make a list of any medicines you take. Make sure to tell your provider the dosages.
    • Bring a list of questions and things to discuss. Write down your questions or concerns in advance. You may want to bring a friend or family member with you to help.
    • Take notes. Jot down any questions that come up during your appointment. Don’t leave until all of your questions have been answered and you understand what to do next.

    For more tips on preparing for your doctor’s visit, read our "From Coverage to Care: A Roadmap to Better Care and a Healthier You" (PDF).

  • 4 steps to find the provider that’s right for you

    Choosing a provider you trust is one of the most important decisions you’ll make about your health care, and finding the right one can take a little work. Follow these 4 steps to help you choose:

    Image: {Finding right doctor}

    How to find a doctor you trust

    1. Get a list of in-network providers: Call your insurance company or look at their plan materials for a list of doctors in their network. You’ll usually pay less to see a doctor in your network than a doctor who’s out-of-network.
    2. Do your research: Ask friends and family if they recommend their doctors. You may even be able to read online reviews for doctors in your area.
    3. Call the office for more information: Call the doctor’s office and ask them any questions you have to help you decide. Make sure they accept new patients and your health coverage.
    4. Make an appointment, and give them a try: When you call to make your appointment, have your insurance card on hand. It might take more than one visit to figure out if a doctor is the right one for you.

    Learn more about finding a provider and making an appointment (PDF).

  • 3 Tips: Knowing where to go for medical care

    You can get health care in many different places, but it’s best to get routine care from a primary care doctor. Visiting your primary care doctor usually costs much less than visiting the emergency room, and you’ll spend less time waiting. Check out these 3 tips to know where to go for medical care:

    Image: {Where to get medical care}

    Where to go based on the care you need

    • For routine care, visit a primary care doctor: They’ll work with you to make sure you get the right preventive services, manage any chronic conditions, and improve your overall health and well-being.
    • Before getting care, know you’re covered: Call the office before you visit to make sure they see patients with your coverage. Not all doctors and hospitals take all insurance plans or types of coverage. Learn about finding a doctor in your plan.
    • In an emergency or life-threatening situation, call 9-1-1: In an emergency, get care from the closest hospital that can help you. They’ll treat you even if you don’t have any insurance.

    Get more information on knowing where to go for care.

  • What your health insurance card tells you

    After you enrolled in Marketplace insurance, you probably got a membership package in the mail with information about your coverage. You may have also gotten a card or other document as proof of your insurance. (If you didn’t get a card, contact your health plan.)

    Image: {Health insurance card}

    3 things to know about your membership package & insurance card

    • Read your membership materials carefully: You may need them when you see a doctor or if you call your insurance company with questions. If you don’t understand the materials you got, call your health plan and ask them to explain.
    • Review your insurance card: It shows your member and group numbers, your plan type, and a phone number to call for questions about finding a doctor or what your plan covers.
    • Store your insurance card in a safe place: If someone else uses your insurance card or member number to get prescription drugs or medical care, they’re committing fraud.

    Learn more about understanding your membership (PDF) and plan materials.

  • Understanding key health insurance terms

    Insurance plans can differ in which providers you can see and how much you have to pay. It’s important to understand your costs and key health insurance terms, so you’ll know what services your plan will pay for and how much each visit or medicine will cost.

    Image: {Key health insurance terms}

    Important key words explained

    • Deductible: The amount you owe for covered health care services before your health insurance or plan begins to pay.
    • Copayment: An amount you pay as your share of the cost for a medical service or item, like a doctor's visit.
    • Coinsurance: Your share of the cost for a covered health care service, usually calculated as a percentage (like 20%) of the allowed amount for the service.
    • Premium: The amount you pay for your health insurance or plan each month.
    • Network: The doctors, hospitals, and suppliers your health insurer has contracted with to deliver health care services to their members.

    Browse our glossary for more health insurance definitions, and get more information on how your costs work together.

  • Put your health first: Using your 2018 Marketplace insurance

    You can use your Marketplace health insurance when you’re sick and when you’re well. Follow these tips to help maintain your health:

    Image: {Put health first}

    Put your health first

    • Take advantage of free preventive services: Preventive care, like shots and screening tests, is free with your Marketplace plan when delivered by a doctor or provider in your plan’s network.
    • Improve your mental and emotional well-being: All Marketplace plans cover mental health and substance abuse services as essential health benefits.
    • Stay organized: Use this booklet (PDF) to keep all your health information in one place. This helps you easily track your coverage information and care.

    Get more information on using your Marketplace coverage

  • How to “reconcile” your premium tax credit on 2017 taxes

    If you had 2017 Marketplace coverage, you should have already received Form 1095-A in the mail. Make sure your Form 1095-A is accurate before you file your taxes. You’ll use information from this form about the second lowest-cost Silver Plan (SLCSP) to complete Form 8962, Premium Tax Credit.

    Image: {"Reconcile” on your 2017 taxes}

    First: Verify your household and coverage information & SLCSP

    To make sure your SLCSP is correct, look at Part III, Column B of your 1095-A, titled “Monthly second lowest-cost Silver Plan (SLCSP) premium.” The SLCSP premium is incorrect if:

    • Part III, Column B has a “0” or is blank for any month someone in your household had the Marketplace plan.
    • You had changes in your household that you didn’t tell the Marketplace about — like having a baby, moving, getting married or divorced, or losing a dependent.

    If either applies, use our tax tool to get your SLCP premium.

    If anything about your coverage or household is wrong on your Form 1095-A, contact the Marketplace Call Center.

    Second: “Reconcile” on your taxes

    Now that you know your Form 1095-A is accurate, you’re ready to file. If you had a Marketplace plan and used advance payments of the premium tax credit (APTC) to lower your monthly payment, you’ll have to "reconcile" when you file your federal taxes.

    See a step-by-step guide to reconciling.

  • What to do if Form 1095-A is wrong

    You should have already received Form 1095-A in the mail. This form may also be available online in your Marketplace account. Before you file your 2017 taxes, make sure your Form 1095-A is accurate. Don’t file 2017 taxes until you have a correct 1095-A. If it has errors, contact the Marketplace Call Center, and you’ll be sent a corrected Form 1095-A.

    Image: {What to do if Form 1095-A incorrect}

    How to check Form 1095-A for accuracy

    • Verify basic information about your health plan and household members on Parts I and II of the form.
    • Make sure the premium for the second lowest-cost Silver plan (SLCSP) is correct. See how to check your SLCSP.
    • If it’s not, you’ll use our tax tool to get your SLCSP.

    Get more information on using Form 1095-A.

    Already filed with an incorrect form?

    You may need to file an amended return using the information on your corrected 1095-A. Learn about amending returns from the IRS.

  • 2017 Tax Help: Get step-by-step instructions & tax forms

    Whether you got 2017 health coverage through the Marketplace, Medicare, your job, or another source, you must report your 2017 health coverage status to the IRS when you file your taxes. The form you’ll use will depend on how you got your health coverage.

    Image: {2017 tax help}

    For example, if you had 2017 Marketplace coverage, you’ll use Form 1095-A, Health Insurance Marketplace Statement, to "reconcile" your taxes.

    {% box %} IMPORTANT: Don't file your 2017 taxes until you have an accurate 1095-A

    See errors? Contact the Marketplace Call Center. {% endbox %}

    Get instructions & tax forms

    For specific forms and step-by-step instructions, choose the situation that best applies to you to learn about health coverage and your 2017 federal taxes.

    Get tax help from the IRS

  • Had 2017 Marketplace coverage? Look for Form 1095-A

    If anyone in your household had Marketplace coverage in 2017, you can expect to get a Form 1095-A, Health Insurance Marketplace Statement, in the mail by mid-February. It comes from the Marketplace, not the IRS. Store this form with your important tax information. You'll use it to fill out Form 8962, Premium Tax Credit, and "reconcile" any Marketplace premium tax credit you got in 2017.

    Image: {Look for Form 1095-A}

    {% box %} IMPORTANT: Don't file your 2017 taxes until you have an accurate 1095-A

    See errors? Contact the Marketplace Call Center. {% endbox %}

    This form may also be available online in your HealthCare.gov account.

    How to find Form 1095-A online

    Get screen-by-screen directions, with pictures (PDF), or follow the steps below:

    1. Log in to your HealthCare.gov account.
    2. Click the green "Start a new application or update an existing one" button.
    3. Click your name in the top right and select "My applications & coverage" from the dropdown.
    4. Under "Your existing applications," select your 2017 application — not your 2018 application. Your 2017 application can be found below your 2018 application.
    5. Select “Tax forms” from the menu on the left.
    6. Download all 1095-As shown on the screen.

    Didn't get Form 1095-A? If you didn't get this form in the mail and you can't find it in your Marketplace account, contact the Marketplace Call Center.

    How to use Form 1095-A

    Learn how to use your 1095-A.

  • Get ready to file 2017 taxes with 3 tips

    You must report information about your 2017 health coverage when you file your 2017 taxes. If you had Marketplace health insurance in 2017, check out these 3 tips:

    Image: {Get ready to file 2017 taxes with these tips}

    Watch for Form 1095-A

    Make sure your Form 1095-A is correct

    Get help, step-by-step instructions & tax forms

  • Important: Keep your 2018 information current

    If you're enrolled in a 2018 Marketplace plan and your income or household changes, update your Marketplace application as soon as possible. Changes in income and household may impact your health coverage and cost savings.

    Image: {Keep 2018 information current}

    Why report changes to the Marketplace?

    • Changes like higher or lower income, adding or losing household members, or getting offers of other health coverage may affect the coverage or savings you’re eligible for.
    • For example, if your income estimate goes down or you gain a household member, you may qualify for more savings than you’re getting now.
    • On the other hand, if your income estimate goes up or you lose a household member, you could owe money when you file your federal tax return.

    How to update your Marketplace application

    Learn more about reporting income and household changes after you're enrolled.

  • No 2018 health insurance? See if you can still get coverage

    If you didn’t enroll in Marketplace health insurance during the 2018 Open Enrollment Period, you may still be able to get coverage two ways:

    Image: {See if you can still get 2018 insurance}

    If you qualify for a Special Enrollment Period

    Through Medicaid or the Children’s Health Insurance Program (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.
    • If you’re eligible, your coverage can start right away, any time of year.
    • Learn how to apply for Medicaid and CHIP.

  • Take advantage of free preventive services in 2018

    Ring in the new year by taking advantage of the free preventive services covered by your Marketplace health insurance! Most Marketplace health plans cover a set of preventive services — like flu shots and screening tests — at no cost to you.

    Image: {Free preventive services in 2018}

    What preventive services are covered?

    Remember to stay in your plan's network

    • Visiting an "in-network" provider usually means you’ll have lower out-of-pocket costs.
    • Preventive services are free only when delivered by a doctor or other provider in your plan’s network.
    • Visit your health plan’s website and view their provider directory for a list of the doctors, hospitals, and other health care providers that your plan contracts with.

    Learn more about what’s covered by Marketplace insurance.

  • Don’t forget to pay your premium to activate your coverage

    Now that you enrolled in Marketplace insurance for 2018, 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.

    Insurance companies handle premium payments differently. Follow your insurer’s instructions about how and when to make your premium payment.

    You may be able to pay online

    Follow these steps to pay at HealthCare.gov:

    1. Log in to your Marketplace account.
    2. Select "Start a new application or update an existing one."
    3. Click your name in the top right, and select "My applications & coverage." Choose your 2018 application under "Your existing applications."
    4. Click the blue button "Pay your first premium."

      Image: {Pay first premium online}

    5. If online payment is available, choose the green button "Pay for health plan now" to go to your insurance company’s website to pay.

    Note: If your health insurance company doesn’t accept online payment, they should have contacted you with next steps. Reach out to them if you haven’t received details on how to pay or aren’t sure that you paid. For their phone number, check out your plan brochure or go to their website.

    Learn more about completing your enrollment.

  • Open Enrollment is over, but you may still have coverage options!

    The deadline to enroll in or change a 2018 Marketplace plan has passed. But you may still be able to enroll in 2018 health insurance if you qualify for a Special Enrollment Period, or get health coverage through Medicaid or the Children’s Health Insurance Program (CHIP).

    Image: {2018 insurance options outside Open Enrollment}

    Apply with a Special Enrollment Period

    • If you experience certain life changes — like losing health coverage, getting married, or having a baby — you may still be able to enroll in a 2018 Marketplace plan through a Special Enrollment Period.
    • Learn more about the life changes that may make you eligible.

    Getting covered with Medicaid or CHIP

    Answer a few fast questions to see if you qualify for a Special Enrollment Period, or Medicaid or CHIP.

  • You have until December 15 to sign up for 2018 health coverage

    Only a few days remain before the final December 15 deadline to enroll in 2018 Marketplace health insurance. If you miss the deadline, you may have to wait another year to sign up (unless you qualify for a Special Enrollment Period).

    Image: {Open Enrollment is almost over}

    Don’t miss the deadline & act now

    • First time using HealthCare.gov? Create an account now.
    • Have 2017 Marketplace insurance? Log in now to update your application and compare plans for 2018.
    • Want to see plans first? Preview 2018 plans, with price estimates based on your income, before logging in.

    Get fast information

  • Important: Time is running out for 2018 health coverage

    Your last chance to enroll in or change Marketplace health insurance plans for 2018 is December 15, 2017. That’s just over 2 weeks away. This is the last and only deadline for 2018 coverage.

    Image: {Important: Time is running out for 2018 health coverage}

    Act now & don’t miss the health insurance deadline

    • First time using HealthCare.gov? Create an account now.
    • Have 2017 Marketplace insurance? Log in now to update your application and compare plans for 2018.

    Get help completing your application

  • Auto-enrollment isn’t your best option: Update and compare by December 15

    If you had Marketplace health insurance in 2017, you can renew, change or update your plan for next year until December 15, 2017. That’s about a month away. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.

    Image: {Auto-enrollment isn’t your best option: Update and compare by Dec. 15}

    Update & compare, even if you want to keep the same plan for 2018

    Even if you want to keep your same plan for 2018, make sure you it's your best option — log in and update your information by December 15, 2017:

    • New plans may be available this year.
    • Costs and coverage could change in your current plan.
    • If you don't update your application, your financial assistance may be incorrect. You could pay too much for your monthly premium or use more advance payments of the premium tax credit than you qualify for.

    Ready to update your application for 2018?

    • Log in and select your 2018 application. It'll be pre-filled with your 2017 information, so you only need to update what's changing.
    • Update any expected income and household changes for 2018.
    • Continue with your 2018 enrollment.

  • Learn about your costs for 2018 Marketplace insurance

    You can enroll in or change 2018 Marketplace health insurance right now. The 2018 Open Enrollment Period runs until December 15, 2017. Before you apply, get a quick idea of your costs.

    Image: {2018 Marketplace Health Insurance Costs}

    What you pay for insurance depends on your income

    For more information on costs

    Ready to apply?

    • First time using HealthCare.gov? Create an account now.
    • Have 2017 Marketplace insurance? Log in now to update your application and compare plans for 2018.
    • Want to see plans first? Preview 2018 plans with price estimates based on your income before you log in.

  • Open Enrollment for 2018 Marketplace health insurance starts today

    The Health Insurance Marketplace is open for business. Starting today, you can apply for new 2018 health insurance — or you can renew, change or update your current health plan for 2018.

    Image: Open Enrollment for 2018 Marketplace health insurance starts today

    Important dates

    • November 1, 2017: Open Enrollment starts: first day to enroll, re-enroll or change a 2018 insurance plan through the Health Insurance Marketplace
    • December 15, 2017: Last day to enroll in or change plans for 2018 coverage. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.
    • January 1, 2018: 2018 coverage starts, if you’ve paid your premium

    Get started

    • First time using HealthCare.gov? Create an account now.
    • Have 2017 Marketplace insurance? Log in now to update your application and compare plans for 2018.
    • Want to see plans first? Preview 2018 plans, with price estimates based on your income, before logging in.

  • Coming soon: Changes to the Small Business Health Options Program (SHOP) for 2018

    It’s that time of year again, when you may be starting to think about your small business’ health insurance options for 2018. For plans starting January 1, 2018, the Small Business Health Options Program (SHOP) will offer some new features that’ll impact how you enroll and manage your coverage.

    Image: {2018 Changes to SHOP}

    What’s new for small business owners

    • For plans starting on or after January 1, 2018, you’ll enroll with your insurance company, or with the assistance of an agent or broker.
    • You’ll no longer use HealthCare.gov to select and enroll in plans, or manage coverage and pay premiums. See SHOP plans and prices in your area.

    What’s staying the same

  • Mark 2018 Open Enrollment dates & deadlines on your calendar

    Open Enrollment for 2018 health coverage is less than 1 week away! Mark these key dates on your calendar so you don't miss the deadline to enroll. The Open Enrollment Period is shorter than in past years, so it's important to be ready.

    Image: {Key 2018 Open Enrollment dates}

    Get deadline reminders

    Sign up for email or text updates and reminders. Visit the HealthCare.gov homepage, enter your email address under "Get important news & updates," and click "Sign up."

  • Preview 2018 plans & prices now!

    2018 Open Enrollment runs November 1 – December 15, 2017. To get a head start, you can preview 2018 plans with personalized price estimates right now.

    Image: {Preview 2018 plans}

    Answer a few brief questions about your estimated 2018 income and household to see available health insurance plans and estimated prices. You’ll see exact prices when you fill out or update your Marketplace application starting November 1.

    More on 2018 Open Enrollment & plan shopping

  • New to HealthCare.gov? 3 things you should know

    If you haven't applied for insurance on HealthCare.gov before, here are three things to know about the Health Insurance Marketplace:

    Image: {3 things to know about Marketplace insurance}

    3 Marketplace health insurance tips

    • Open Enrollment for 2018 health insurance runs from November 1 through December 15, 2017. Plans joined during Open Enrollment start January 1, 2018. There are a few things you can do now to get ready.
    • See if your income is in the range to save before you apply. Select your household size and state to see if you may qualify for savings.
    • Marketplace plans must cover a set of preventive services — like shots and screening tests — at no cost to you. Essential health benefits are minimum requirements for all Marketplace plans.

    Get more fast Marketplace tips.

  • Open Enrollment is almost here & there’s a new deadline to enroll

    Open Enrollment for 2018 Marketplace health insurance is just a few weeks away. Here are some important dates to remember:

    Image: {Open Enrollment is almost here}

    • The 2018 Open Enrollment Period runs from November 1 to December 15, 2017. This means you have six weeks to enroll in or renew a plan.
    • Plans joined during Open Enrollment start January 1, 2018.

    Get ready today for November 1

    • Use this simple checklist (PDF) to gather documents you’ll need.
    • Get a quick Marketplace overview with these Marketplace tips.
    • 2018 health plans and prices will be available to preview shortly before Open Enrollment starts. Check back soon.

  • Get ready for 2018 Open Enrollment

    Open Enrollment for 2018 health insurance is right around the corner! Starting November 1, you can enroll, re-enroll, or change plans for 2018 through the Health Insurance Marketplace. Here's what you can do now to make the application process quicker and easier:

    Image: {Get ready for 2018 Open Enrollment}

    5 tips to get ready for 2018 Marketplace insurance

  • Don't delay: Get your free flu shot this fall

    Did you know the Centers for Disease Control and Prevention (CDC) recommends everyone 6 months and older get an annual flu shot by the end of October? If you have Marketplace health insurance, your flu shot is free from a provider in your plan's network. Here are 3 more reasons you should get the flu shot:

    Image: {Get your free flu shot this fall}

    3 reasons to get the flu shot

    • It helps keep your family and friends healthy: In addition to keeping you healthy, getting vaccinated yourself helps protect people around you, especially those who are more prone to getting sick, like babies, children, and older people.
    • It's a small step to better health and well-being: By protecting yourself from the flu, you may have fewer doctor's visits and miss less work or school.
    • Nobody likes being sick: The flu shot can help protect against unpleasant side effects of the flu, including fever, chills, and fatigue.

    Get more information on the 2018 flu season from the CDC.

  • Don’t miss out on 2018 Marketplace Open Enrollment updates

    Open Enrollment for 2018 Marketplace health insurance starts November 1! It’s shorter this year and ends December 15. Connect with us now, so you don’t miss out on deadline reminders and updates.

    Image: {2018 Open Enrollment dates}

    3 ways to stay up-to-date about the Marketplace

    • Sign up for email or text updates and reminders: Visit the HealthCare.gov homepage, enter your email address under “Get important news & updates,” and click “Sign up.”

    • Connect with someone in your area to answer any questions you have: Visit our Find Local Help page and search by city and state or ZIP code to find trained helpers in your community.

    • Interact with us on social media: Follow us on Twitter, and like us on Facebook.

    Get more information on 2018 Open Enrollment

  • 5 easy ways to improve your health with Marketplace coverage

    Health coverage is important whether you're sick or healthy. Here are 5 ways your health insurance can help you maximize your health and well-being:

    Image: {5 ways to improve your health}

    • Take advantage of free preventive services: You may be able to get an annual visit or recommended preventive services for free, like the flu shot and depression screening.

    • Keep all your health information in one place: Use our "Coverage to Care: Roadmap to Better Care and a Healthier You (PDF)" to keep track of your coverage information, your providers, and your health. Use the checklist in the back to track your results.

    • Understand your insurance membership package: You probably got a membership package with information about your coverage and an insurance card. Read your materials carefully. You may need them when you see a provider or when you call your insurance company with questions. Never let anyone else use your insurance card.

    • Use an in-network provider: Not all types of providers and facilities take all insurance plans or types of coverage, and most of the time, you’ll pay less to see a provider in your network. Call the office before you go to make sure they see patients with your coverage. If you’re in an emergency or life-threatening situation, call 9-1-1.

    • Maintain a healthy lifestyle at home, at work, and in the community: Health insurance is important, but there's no substitute for a healthy lifestyle. Make time for physical activity, healthy eating, relaxation, and sleep.

    Get more information on improving your health.

  • Do I qualify for Medicaid?

    Medicaid provides free or low-cost health coverage to some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Many states have expanded their Medicaid programs to cover all people below certain income levels. Medicaid qualifications depend partly on whether your state has expanded its program.

    Image: {Find out if you can get Medicaid}

    Who can get Medicaid?

    • No matter your state, you may qualify for Medicaid based on your income, household size, disability, family status, and other factors. But if your state has expanded Medicaid coverage, you can qualify based on your income alone.
    • Enter your household size and state. We'll tell you who is eligible for Medicaid, if your state expanded and if you qualify for Medicaid based only on your income.
    • If you think you have Medicaid eligibility, you can create an account and fill out a Marketplace application. 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. You can apply any time of year.
    • If you don't qualify for Medicaid, we'll tell you if you qualify for financial help to buy a Marketplace health plan instead. (But unless you qualify to enroll with a Special Enrollment Period, you'll have to wait until the next Open Enrollment Period.)

    What if I’m turned down by Medicaid?

    • You may be able to buy a private health plan through the Marketplace instead for the 2018 plan year in the fall. You may qualify for savings based on your income through a premium tax credit and savings on out-of-pocket costs.
    • If you don't qualify for either Marketplace or Medicaid savings, you still have options. Learn more here.

  • How to tell if your health insurance has started

    Once you enroll in a Marketplace plan, you must pay your first premium to your health insurance company – not the Health Insurance Marketplace – so your medical coverage can begin. If you’ve already paid your premium, you can check if your health insurance is active online or in your plan materials to make sure your health insurance has started:

    Image: {Know your health insurance is active}

    IMPORTANT Continue to pay your monthly premiums

    Make sure you continue to pay your monthly premiums to your health insurance company on time. They could end your coverage if you fall behind.

    Verify your enrollment online

    1. Log in to your HealthCare.gov account.
    2. Click on your name in the top right and select "My applications & coverage" from the dropdown.
    3. Select your completed application under “Your existing applications.”
    4. Here you’ll see a summary of your coverage. Your coverage start date depends on when you enrolled or changed plans.
    5. If you don’t see your summary or still aren’t sure you’ve finished enrollment, call your insurance company. They can confirm if you have enrolled and paid your first premium.

    Check your health insurance enrollment materials

    • Your plan will send you a membership package with enrollment materials and a health insurance card as proof of your insurance.
    • Carefully review these, and look through your plan’s provider directory to see where you can get care.
    • You’ll use the card when you get health care services, so keep it in a safe place.
    • If you didn’t receive a card, call your insurer to see if you should have received one already and to make sure your coverage is effective. You can find your insurer’s phone number on their website.

    Want to change your health insurance plan? If you’d like to change your plan, you can do so now only if you experience a qualifying life event — like losing other coverage, having a baby, or getting married — and apply with a Special Enrollment Period.

  • What documents to submit to confirm your Special Enrollment Period

    If you applied for Marketplace coverage through a Special Enrollment Period, you may need to submit documents to confirm you qualify. After you pick a plan, you have 30 days to send the documents.

    Image: {Send Special Enrollment Period documents}

    Find your life event on the list below to see what kinds of documents you can submit:

    What documents can I submit?

    • If you moved: Documents must include your name and the date you moved. Examples include: bills, mortgage or rental documents, or a letter from an insurance company. In most cases, you also need to prove you had qualifying coverage for at least one of the 60 days before you moved. See the full list.
    • If you lost other health coverage: Documents must include your name and the date of your coverage loss. Examples include: a letter from your insurance company or employer, a health care program document, or pay stubs. See the full list.
    • If you adopted a child or gained a dependent through a foster care placement or court order: Documents must include the name of the person who became a dependent and effective date. Examples include: an adoption letter or record, foster care papers, or a document for legal guardianship. See the full list.
    • If you got married: Documents must include the names of the married couple and the date of the marriage. Examples include: a marriage certificate, marriage license, or marriage affidavit. See the full list.
    • If you were denied Medicaid or CHIP: Documents must include your name and the date you were denied coverage. Examples include: a denial letter from your state agency, a letter from the Marketplace, or a screenshot of your eligibility results. See the full list.

    Ready to submit?

Call Us Today! 866-478-6848