When looking for health insurance, the federal government’s Health Insurance Marketplace (also known as the Health Insurance Exchange) is a great place to start. The online Health Insurance Marketplace is a website where you can shop for health insurance plans.
Marketplace insurance plans all meet minimum coverage guidelines. For example, the plans cannot refuse to cover you or charge you more if you have a pre-existing condition.
You can only apply for insurance through the Marketplace during the Marketplace Open Enrollment or Special Enrollment periods. The next Open Enrollment for Marketplace insurance starts on November 1st, 2023.
However, if you have lost your job-based health insurance or experienced another qualifying life change, you are eligible for a Health Insurance Marketplace Special Enrollment period. Qualifying life changes include, but are not limited to:
- Getting married.
- Having a baby.
- Losing your job-based health insurance.
If you are not eligible to apply for a Marketplace plan but you need coverage, you can consider buying short-term health insurance directly through a private insurer. This will give you coverage until the next enrollment period.
If you’re ready to enroll in health insurance now – or just see what kinds of plans are available – head over to the Marketplace today. You can compare plans, find savings and apply for health insurance all in one place.