You can sign up 24 hours a day, 7 days a week at at the Marketplace website enrollment link (en Español: https://www.cuidadodesalud.gov) for more information about your health coverage options. You can call 1-800-318-2596, any time, any hour, and a trained representative will help you enroll.
Key dates for the Health Insurance Marketplace
Open Enrollment is the time when you can apply for a 2015 Marketplace plan, keep your current plan, or pick a new one.
Here are 4 key dates you should know:
- November 15, 2014. Open Enrollment begins. Apply for, keep, or change your coverage.
- December 15, 2014. Enroll by the 15th if you want new coverage that begins on January 1, 2015. If your plan is changing or you want to change plans, enroll by the 15th to avoid a lapse in coverage.
- December 31, 2014. Coverage ends for 2014 plans. Coverage for 2015 plans can start as soon as January 1st.
- February 15, 2015. This is the last day you can apply for 2015 coverage before the end of Open Enrollment.
Quick facts about the Health Insurance Marketplace
- The Health Insurance Marketplace is for people seeking insurance or who are uninsured. Generally, people who currently have insurance through their workplace, who have insurance through Medicaid, Medicare, Children’s Health Insurance Program (CHIP), Tricare or the Veterans health care program are not the target of this open enrollment period.
- Most people will be eligible for health coverage through the Health Insurance Marketplace.
- The Marketplace is a new way to find quality health coverage. It can help if you don’t have coverage now or if you have it but want to look at other options.
- The Marketplace simplifies your search for health coverage by gathering the options available in your area in one place. You can compare plans based on price, benefits, and other features important to you before you make a choice. Plans will be presented in four categories – bronze, silver, gold, and platinum – to make comparing them easier.
- Insurance plans in the Marketplace are offered by private companies. They cover the same core set of benefits called essential health benefits. No plan can turn you away or charge you more because you have an illness or medical condition. They must cover treatments for these conditions. Plans can’t charge women more than men for the same plan. Many preventive services are covered at no cost to you.
Want to learn more about how it works?
- Watch this 6 minute video about the Health Insurance Marketplace APPLICATION This video introduces an interactive online application process for health coverage through the Health Insurance Marketplace on HealthCare.gov. Using an example of a single man from Arizona, images of computer screens from the application unfold while a narrator explains the content of each screen. The program concludes with a printable summary of the application and an explanation of what benefits will be received.
- Watch this 4 minute video about the Health Insurance Marketplace ENROLLMENT This video introduces the Marketplace enrollment process for health coverage through the Health Insurance Marketplace on HealthCare.gov. Using the same individual from the Marketplace Application video as an example, the scenario continues, as he follows step-by-step instructions on how to find and enroll in a health plan. Images of computer screens from the Marketplace enrollment process unfold while a narrator explains the content of each screen. The program concludes with a successful completion of all enrollment steps, and how to contact the health plan to submit payment.
- Visit How can I get ready to enroll in the Marketplace?. For a checklist of items needed before applying check here.
- Subsidy Calculator: A tool that illustrates health insurance premiums and subsidies for people purchasing insurance on their own in new health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA).
- Visit Health Law Answers, developed by the AARP
Find answers to your questions
24/7 telephone assistance for the Health Insurance Marketplace is available.
- Main Phone
- (800) 318-2596
- Main Phone
- TTY: (855) 889-4325
Find local application assistance
- Visit LocalHelp.HealthCare.gov to find help in your area. You can search by city and state or zip code to see a list of local organizations with contact information, office hours, and types of help offered, such as non-English language support, Medicaid or CHIP, and Small Business Health Options Program (SHOP). During open enrollment, these organizations will be able to assist you in finding the kind of help that works for you.
- Library staff cannot assist customers in completing the application or enrollment process, but can provide technical assistance in using the library’s public computers and printers. Librarians can also make referrals to local agencies with trained application assisters.