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  • 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:

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    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?

  • Don't worry: Marketplace insurance covers pre-existing conditions

    Did you know that no insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for a pre-existing condition?

    Image: {What's a pre-existing condition}

    What's a pre-existing condition?

    • A pre-existing condition is a health problem you had before the date that your new health coverage starts.
    • Epilepsy, cancer, diabetes, lupus, sleep apnea, and pregnancy are all examples of pre-existing conditions.

    Is my health coverage affected by my pre-existing condition?

    • No. Treatment for any pre-existing medical condition is covered from the day your coverage began.
    • Once you’re enrolled, your plan can’t deny you coverage or raise your rates based only on your health.
    • Marketplace plans can't put annual or lifetime limits on your coverage.

    What if I'm pregnant?

    • If you were pregnant before you applied, your insurance plan can't reject you or charge you more because of your pregnancy.
    • Once you're enrolled, your pregnancy and childbirth are covered from the day your plan starts.

    Learn more about pre-existing condition coverage.

  • 5 facts about Special Enrollment Periods

    For most people, the deadline to enroll in a 2017 health insurance plan has passed. But you may still be able to enroll in health coverage for the rest of 2017 if you qualify for a Special Enrollment Period.

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    5 things to know about applying with a Special Enrollment Period

    1. You may be eligible to apply with a Special Enrollment Period if you experience certain life events, like moving, losing other health coverage, or having a baby. See the full list of life events here.
    2. You usually have up to 60 days following the event to enroll in a plan. If you miss that window, you have to wait until the next Open Enrollment Period, which starts on November 1, 2017, to apply for 2018 coverage.
    3. You can quickly see if you may qualify. Start by answering a few fast questions.
    4. Depending on your life event, you may be required to provide documents that prove your eligibility to enroll. You must send them before you can start using your coverage. Get more information on confirming your Special Enrollment Period eligibility.
    5. You can enroll in Medicaid and the Children’s Health Insurance Plan (CHIP) any time of year, whether you qualify for a Special Enrollment Period or not.

    Learn more about getting coverage outside Open Enrollment.

  • You have questions – we have answers!

    Have questions about the Marketplace? Don’t worry — we’re here to help!

    Image: {You have questions? We have answers}

    Answers to your common questions

    Where can I find 2017 Marketplace plans and prices?

    If I can’t enroll with a Special Enrollment Period or through Medicaid or CHIP, when is the next Open Enrollment Period for Marketplace insurance?

    • The 2018 Open Enrollment Period runs from November 1, 2017 to December 15, 2017.
    • Plans sold during Open Enrollment start January 1, 2018.

    How do I report changes to my income, family, or address?

    • You report changes to the Marketplace by updating your application. You can update your application online, by phone, or in-person — but not by mail.
    • It’s important to report any changes as soon as possible. Your coverage and savings may be impacted.
    • Learn more about reporting changes.

    Still need answers?

    Visit our Get Answers page for fast answers to other common questions.

  • Can you enroll in health insurance right now?

    When big changes happen in life, like if you have or adopt a baby, move, or get married, you may be able to enroll in Marketplace health insurance for the rest of 2017 with a Special Enrollment Period.

    Image: {Find out if you can enroll today}

    Not sure if you qualify?

    Note: When you apply, you must confirm the information on your application is true. You may be asked to submit documents to confirm your life change.

    What if I don’t qualify?

    • You can apply for free or low-cost coverage through Medicaid and CHIP any time, all year. If you qualify, you can enroll immediately.
    • If you’re not eligible for 2017 coverage, the Open Enrollment Period for a 2018 plan runs from November 1, 2017 to December 15, 2017.

    Get more information on getting covered outside Open Enrollment.

  • 3 tips to prepare for your first doctor’s visit

    Now that you have Marketplace health insurance, here are three things to remember before you visit your doctor:

    Image: {Man greets new doctor}

    Gather what you’ll need

    • You may be asked to provide your insurance card, photo ID, completed forms they may have sent you before the appointment, and your copay, if you have one.
    • You may need to fill out other forms and read over their privacy policy after you check in.

    Know your health history

    • So your doctor better understands your health and lifestyle, consider sharing your family health history and medical records, and any medications you’re taking.
    • You may want to bring someone with you, like a friend or family member.

    Prepare questions

    • Before the appointment, write down any questions or concerns you may have, so you don’t forget to ask.
    • If you don’t understand what your doctor is saying, don’t hesitate to ask for clarification. They’re there to help!
    • See if your doctor has any written materials you can take home and read, and if there’s a phone number you can call if you come up with questions later.

    Get more information on preparing for your first doctor’s visit (PDF).

  • Submit documents to confirm your Special Enrollment Period

    If you applied for Marketplace coverage through a Special Enrollment Period because you moved or lost other health coverage, you may be asked to submit documents to confirm you qualify.

    Image: {Submit Special Enrollment Period documents}

    After you pick a plan, you have 30 days to send the documents.

    How do I know if I need to submit documents?

    • After you submit your application, you’ll get details and instructions on your eligibility results screen and in a notice you can download or receive in the mail.
    • These will include information if you have to submit documents.

    If you’re losing health coverage

    If you moved to a new address & had prior coverage

    • You must provide documents that confirm you moved in the last 60 days AND had health coverage at least one day during the 60 days before your move.
    • See a list of accepted documents.

    Ready to submit? You can submit documents 2 ways:

  • 4 steps to find the right doctor for you

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

    Image: {Four steps to find the right doctor for you}

    1. Identify "in-network" providers that meet your needs.

      • Review your health plan’s provider directory — a list of the doctors, hospitals, and other health care providers that your plan contracts with to provide care.
      • If you're looking for something specific, like a doctor who speaks a language other than English or can accommodate a disability, your insurer should be able to guide you in the right direction.
    2. Ask your friends for recommendations.

      • You can ask people you trust if they have any doctors they like.
      • Sometimes you can look up providers online to see what other people in the community say about them.
    3. Pick a provider.

      • Call the provider's office, and ask any questions you may have to help you decide if they’re the right fit.
      • You may also want to know if the office is close to your house or work, and if the appointment times work with your schedule.
    4. Give them a try!

      • Sometimes it takes more than one visit to figure out if a provider is the right one for you.

    Get more information on picking a provider (PDF).

  • Stay healthy this summer with preventive care

    This summer, put your health and well-being first by getting the preventive services that are right for you.

    Image: {Friends have a healthy summer with Marketplace insurance}

    Marketplace health 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.

    Why is preventive health care important?

    • Preventive services include health care like screenings, check-ups, and patient counseling that are used to prevent illnesses, disease, and other health problems.
    • Preventive health services can also detect illness at an early stage when treatment is likely to work best.
    • Getting recommended preventive services and making healthy lifestyle choices are key steps to good health and well-being.

    What preventive services are right for you?

  • Recently lose health insurance? You may be eligible for Marketplace coverage

    If you or anyone in your household lost qualifying health coverage in the past 60 days or expects to lose coverage in the next 60 days, you may qualify for a Special Enrollment Period. This means you may be able to enroll in Marketplace health insurance for the rest of 2017.

    Image: {Get 2017 coverage with a Special Enrollment Period}

    What coverage losses count?

    If you lost or will lose coverage from any of these sources, you may be eligible to apply through a Special Enrollment Period:

    • Your job
    • Individual health coverage for a plan or policy you bought yourself
    • COBRA
    • Medicaid or the Children's Health Insurance Program (CHIP)
    • Medicare
    • Coverage through a family member’s plan

    Apply with a Special Enrollment Period

    • To apply, create an account or log into an existing one.
    • When you apply, you must confirm that the information on your application is true. You may be asked to submit documents to confirm your life change, like a letter from your employer or insurance company that supports coverage loss.

    Losing qualifying health coverage isn’t the only life event that qualifies you to enroll in a plan outside Open Enrollment. You may also be eligible if you’ve had other life changes — like getting married, moving, or having a baby. Answer a few questions to see if you qualify.

  • 3 ways: report income & household changes

    If you have Marketplace health insurance and your income or household changed — like if you had a baby, got a raise, or someone in your household got new job-based coverage — you should update your application as soon as possible.

    Image: {3 Ways: Report Income & Household Changes}

    See the full list of changes you should report.

    Why it’s important to report changes

    • Certain changes may qualify you for a Special Enrollment Period, allowing you to change plans outside Open Enrollment.
    • The changes may also affect the savings and coverage options you qualify for.
    • If you don’t report changes, you could wind up owing more—or less—when you file your next federal tax return.

    3 ways to report changes to the Marketplace

    Get more information on reporting changes after you’re enrolled.

  • New parents: You have health insurance options

    If you gave birth or adopted a baby in the past 60 days, you may qualify for a Special Enrollment Period to enroll in or change Marketplace health plans for the rest of 2017. Your new coverage can start the day of the birth or adoption—even if you enroll in the plan up to 60 days afterward.

    Image: {New parent qualifies for Special Enrollment Period}

    Enroll through a Special Enrollment Period

    • To apply for Marketplace coverage for the rest of 2017 through a Special Enrollment Period, create an account or log into an existing one.
    • You may be asked to submit documents, like a birth certificate, to confirm the birth or adoption.

    More on Special Enrollment Periods

    • Having a baby isn’t the only life event that qualifies you to enroll in a plan outside Open Enrollment.
    • You may also be eligible if you’ve had other life changes, like getting married, moving, or losing health coverage you had through a job.
    • Answer a few questions to see if you qualify.

    Learn more about getting coverage outside Open Enrollment.

  • 3 health insurance options for college graduates

    If you recently graduated from college, you may have new options for getting health insurance. Check out these 3 options for a range of plan types and costs:

    Image: {College graduates celebrate health insurance-options}

    Buy your own Marketplace plan

    You may be eligible to enroll in Marketplace health insurance for the rest of 2017 if you qualify for a Special Enrollment Period. You may qualify if:

    • You’re moving to or from the place you attended school
    • You lose other health insurance, like if your student health plan has run out or you’re dropping off your parent’s plan
    • You experience other life events, like having a baby or getting married

    Not sure if you qualify? Answer a few questions to find out.

    Get added to your parent’s plan

    If your parent’s health insurance plan covers dependents, you can usually be added to their plan. They may be able to add you to an existing Marketplace plan through a Special Enrollment Period, as long as you’re under 26.

    See if you qualify for Medicaid or CHIP

    If you’re working part time, planning your next move, starting a business, or otherwise aren’t making much money, you may qualify for Medicaid or the Children’s Health Insurance Program (CHIP). To see if you qualify, enter your household income and size. We’ll tell you the programs you may be eligible for. If you qualify, your coverage can start right away.

  • Move recently? Get a 2017 health plan through a Special Enrollment Period

    If you or your family are moving soon (or you moved in the past 60 days), you may qualify for a Special Enrollment Period to enroll in health coverage. This means you may be able to enroll in Marketplace health insurance that covers you for the rest of 2017, even though Open Enrollment is over.

    Image: {Couple qualify for health insurance due to move}

    What kinds of moves qualify?

    • Moving to a new home in a new ZIP code or county
    • Moving to the U.S. from a foreign country or U.S. territory
    • A student moving to or from the place they attend school
    • A seasonal worker moving to or from the place they live and work
    • Moving to or from a shelter or other transitional housing

    Moving only for medical treatment or staying somewhere for vacation doesn’t count.

    Apply through a Special Enrollment Period

    To apply for Marketplace coverage for the rest of 2017 through a Special Enrollment Period, create an account or log into an existing one. When you apply, you may be asked to submit documents to confirm your move.

    Note: Moving isn’t the only life event that qualifies you to enroll in a plan outside the Open Enrollment Period. You may also be eligible if you’ve had other life changes—like getting married, having or adopting a baby, or losing coverage you had from a job. Answer a few questions to see if you qualify.

  • Enroll in Medicaid & the Children’s Health Insurance Program (CHIP) any time

    Medicaid and the Children’s Health Insurance Program (CHIP) provide free or low-cost health coverage to millions of Americans. If you qualify for these programs, your coverage can start right away, any time of year.

    Image: {Father and son enroll in Medicaid & CHIP outside Open Enrollment}

    Who qualifies?

    • In all states, Medicaid and CHIP provide health coverage for eligible children, parents, pregnant women, elderly people with certain incomes, and people with disabilities.
    • Many states have expanded their Medicaid programs to cover all adults below a certain income level.
    • To see if you qualify, enter your household income and size, and we’ll tell you if expanded Medicaid coverage for people in your income range is available in your state.
    • Children in families with income too high to qualify for Medicaid may still be eligible to enroll in CHIP.

    How can I apply?

    • You can apply through the Marketplace or directly with your state Medicaid or CHIP agency. Choose your state for your Medicaid agency’s contact information.
    • When you fill out an application through the Health Insurance Marketplace, 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.

    Get more information

    Find out more about Medicaid and CHIP, including how to apply.

  • 3 tips for using your Marketplace health insurance

    Now that you have Marketplace health insurance, here are 3 tips for getting the most out of your health coverage:

    Image: {3 tips using your health insurance}

    Understand your deductible

    • A deductible is the amount you have to spend for covered health services before your insurance company starts to pay. So, if your deductible is $1,000, your plan won’t pay for most services until you’ve spent $1,000 out-of-pocket for covered health care services that apply towards your deductible.
    • It’s important to know which services in your plan don’t count towards your deductible. Some plans cover primary care visits before you meet your deductible–you just pay a copayment. Other plans offer discounts on drugs, including generic drugs.
    • Read your plan materials carefully to see what’s covered before you meet your deductible.

    Find an “in-network” doctor you trust

    • Even if you don’t need care right now, it’s important to find a doctor you can trust who’s in your plan’s network. Contact your insurance company to find out which providers are “in-network.”
    • If a provider is “out-of-network,” it usually costs you more.
    • Networks can change, so check with your provider each time you make an appointment.

    Take advantage of free preventive health services

    • All Marketplace plans cover recommended preventive health care at no cost when delivered by an in-network provider. This includes immunizations for children and adults, annual well visits for women, obesity screening, and counseling for people of all ages.
    • See the full list of covered services.

  • Remember to pay your monthly premium to your health insurance company

    If you enrolled in a 2017 health plan, you must pay your premium to your health insurance company, not to the Health Insurance Marketplace. Your coverage won’t start until you do.

    Image: {Pay your premium reminder}

    How do I pay my premium?

    • Insurance companies handle payments differently and set their own payment deadlines.
    • Follow the instructions from your insurer about how and when to make your premium payment.
    • If you haven’t received details on how to pay, contact your insurer.

    How do I know if I paid?

    • Call your insurance company directly to confirm your payment status.
    • Find their phone number on your plan brochure or their website.

    What happens if I don’t pay my premium?

  • Keep 2017 health coverage information current

    If you’re enrolled in a 2017 health insurance plan, here’s what you need to know to get the full benefit of your health coverage and keep it up-to-date:

    Image: {Man using 2 tips for 2017 Marketplace health insurance}

    Activate your coverage & pay your first month’s premium 

    • You must pay your first premium directly to the insurance company — not to the Health Insurance Marketplace. Your coverage won’t start until the insurance company gets your payment.
    • Insurance companies handle payments differently. Follow your insurer’s instructions about how and when to make your payment.
    • Learn more about paying your premium to complete your enrollment.

    Update your income & household information if it changes

    • Report any life changes — like changes in income, household size, or residence, or other coverage offers — as soon as they happen.
    • These changes may affect your insurance coverage or savings and your taxes next year.

  • Don’t miss the deadline to file 2016 taxes & report your health coverage!

    The April 18 tax filing deadline is less than one week away. No matter if you got your health coverage through the Marketplace, your job, or another source, you must report your 2016 coverage status to the IRS when you file.

    Image: {2016 tax filing deadline is almost here}

    If you had a 2016 Marketplace plan with premium tax credits

    • You should have received tax Form 1095-A, Health Insurance Marketplace Statement in the mail. You can also get this form in your online Marketplace account. See how to find it.
    • Use your Form 1095-A to "reconcile" your health insurance tax credit on your return. If you used less premium tax credit than you qualify for, you'll get the difference as a credit. If you used more, you’ll pay the difference with your federal taxes.
    • If you don’t file a 2016 tax return and reconcile, you could lose any advance payments of the premium tax credit beginning in 2018.

    Need tax help?

  • No 2017 health insurance? See if you can still get coverage

    If you didn’t enroll in Marketplace health insurance during the 2017 Open Enrollment Period, you may still be able to get coverage for the rest of 2017 two ways.

    Image: {Moving couple qualifies for health insurance for 2017}

    2 ways to get covered for the rest of 2017

    Start an application if you know you qualify

    If you already know you qualify for a Special Enrollment Period, Medicaid, or CHIP, you can start an application now.

    Create an account for the first time or log in to an existing one to get started.

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