Health Insurance Blog - Healthcare.gov

Make your health a priority — Get Marketplace insurance

Healthcare.gov — Fri, 06 Jan 2017 00:00:00 -0500

Ring in the New Year by getting Marketplace health insurance! You have until January 31, 2017 to apply for and enroll in affordable, quality Marketplace health coverage for the rest of 2017. If you enroll in health insurance by January 15, your new coverage can start February 1.

3 reasons to sign up now

Don’t miss out on routine care with cost savings. All Marketplace health coverage plans cover the same set of essential health benefits (like emergency services, pregnancy and newborn care, and prescription drugs) and certain preventive health services (like shots and screening tests) at no cost to you.
Plans may cost less than you think. For 2017 Marketplace health insurance, most people can find coverage with premiums from $50 to $100 per month after financial help. Are you one of them?
Get peace of mind for you and your family. Fixing a broken leg can cost up to $7,500, and the average cost of a 3-day hospital stay is around $30,000. No one plans to get sick or hurt, but health insurance gives you important financial protection just in case.

Take action to apply and enroll

First time using HealthCare.gov? Create an account now.
Already have an account? Log in now to update or complete your application, and compare plans.

After you enroll in 2017 coverage, don’t forget to pay your monthly premium

Healthcare.gov — Fri, 30 Dec 2016 00:00:00 -0500

You’ve submitted your Marketplace application and enrolled in a plan, but you’re not done yet. You must pay your first health insurance premium for your coverage to start. You make the payment to your health insurance company — not the Marketplace.

When & how to pay for health insurance

After you enroll, your insurer may contact you by phone, mail, or email with payment instructions. Health insurance companies handle payments differently, so follow their instructions closely. Take careful note of the date the payment is due, and be sure to make your payment by then. If you don’t meet the due date, you could lose your health coverage.

If you have questions about paying your premium, including if it was received, call your insurance company. You’ll see their phone number on your plan brochure, or you can go to their website.

Understanding & using your new coverage

Once you complete your enrollment by paying your premium, you can use your new health coverage to help with medical costs for covered services like going to the doctor, filling prescriptions, and getting emergency care. To find out which prescriptions, doctors and other health care providers are covered through your new Marketplace plan, visit your health plan’s website.

You can make sure you’re getting the most out of your new health insurance by understanding what you can do to stay healthy and get the care you need.

It’s not too late: Update, shop & switch plans through Jan 31

Healthcare.gov — Fri, 16 Dec 2016 00:00:00 -0500

If you had 2016 Marketplace coverage and didn’t re-enroll or change your health plan by December 15, the Marketplace probably enrolled you for 2017 health coverage in the same plan (or a similar one) based on information from your 2016 application.

This means you’ll have health coverage January 1. But the only way to make sure you have the right savings and the plan that’s best for you is to update your application and compare plans.

IMPORTANT: You can keep this plan or change until January 31

You can keep the plan you’ve been enrolled in or change to any other plan, even if your 2017 health care coverage has started.

Don’t miss out on the best plan & savings for you

Even if you’re happy with the 2017 health insurance plan you’re enrolled in, you should still update your information and compare plans:

Financial help is based on your expected 2017 income, not 2016. Updating your income and household information for 2017 is the only way to make sure you get the right amount of savings. If you don’t, you may owe money when you file your taxes or wind up paying higher monthly premiums during the year than you need to.
New health care plans and prices that work better for you may be available this year. You’ll never know unless you update and compare for yourself.

New to HealthCare.gov? Create an account and take your next steps.

Don’t miss the Dec 15 deadline for Jan 1 coverage!

Healthcare.gov — Fri, 09 Dec 2016 00:00:00 -0500

Time is running out! You only have until December 15, 2016 to sign up for or update your current Marketplace health insurance plan, so it’ll take effect January 1, 2017.

3 reasons to sign up now

Don’t miss a day of being covered. Enrolling by December 15 means you won’t have a break in health insurance between 2016 and 2017.
Plans may cost less than you think. About 85% of Marketplace consumers qualify for tax credits to help with costs. Are you one of them?
Shopping and comparing will help you find your best option if you have a 2016 Marketplace plan. If you don’t act by December 15, the Marketplace will try to enroll you for January 1 based on information from your 2016 application, to make sure you don’t have a gap in coverage. But the only way to make sure you get the right amount of savings and find the best plan for you is to update your expected 2017 income and household information, then compare plans. You may find new and more affordable plans for 2017, but you’ll never know unless you update and compare for yourself.

How to enroll or update plans today

First time using HealthCare.gov? Create an account now.
Have 2016 Marketplace insurance or have an account? Log in now to update or complete your application and compare plans for 2017.

Don’t miss out on savings & new plans: Update and compare by Dec 15

Healthcare.gov — Fri, 02 Dec 2016 00:00:00 -0500

If you have 2016 Marketplace insurance and want coverage for 2017, your best bet is to update your 2017 health insurance application with your expected income and household information for the year ahead – even if you want to keep the same plan.

Update by December 15 and your changes take effect January 1.

Why keep your information current

Make sure you get the right amount of savings. If you don’t update your application so your financial help is correct for 2017, you could wind up paying higher monthly health coverage premiums than you have to. Or you might use more advance payments of the premium tax credit than you qualify for, so you’d have to pay the extra money back when you file your taxes.
You may find 2017 plans that better meet your needs and budget. Health care plans and prices change every year. Your situation may have changed too. Even if you don’t have any income or household updates to report, new and more affordable plans may be available to you. You’ll never know if you don’t shop around.

Ready to update your application?

Log in, select your 2017 application. It’ll be pre-filled with your 2016 information, so you only need to update what’s changing. Update any expected income and household changes for 2017. Then continue with your 2017 enrollment.
If you don’t update your application and enroll in a plan by December 15, you may be automatically enrolled for 2017. This way, you’ll be covered January 1. But the only way to make sure you have a plan that works best for you, with the savings you qualify for, is to update your application and compare plans.

How to protect yourself from "phishing" scams

Healthcare.gov — Fri, 18 Nov 2016 00:00:00 -0500

When you enroll in Marketplace health insurance, we’ll send you emails from time to time. Unfortunately, there are some bad actors who may try to scam you with emails that look like they’re from the Marketplace, but are really trying to steal your information or infect your computer with a virus.

The Marketplace works closely with law enforcement to identify, prevent, stop, and prosecute these criminals, and we have strong systems in place to protect your information.

There are also a few important ways you can protect yourself.

Look out for "phishing" emails

"Phishing" (or fraudulent) emails look like they’re from a trusted source and often contain links to a phony login page on a fake website.
The subject lines may be threatening, or may promise some extraordinary benefit.
They may contain bad grammar, spelling errors, and generic greetings, like "Dear Customer."
The email address doesn’t match the official Marketplace email address, which is Marketplace@healthcare.gov or notices@healthcare.gov. Be sure the email address of any email that claims it’s from the Marketplace ends in ".gov," as in HealthCare.gov.

If you think you get a "phishing" email

Don’t click the links or download any attachments. They may have malicious code that will infect your computer with viruses or keystroke loggers that record what you type.
Don’t reply to the message. Instead, ignore or delete it.
If you get an email that seems suspicious and you want to verify if you really have an issue you need to act on, visit HealthCare.gov. You can find out if the situation described in the email is accurate. Contact the Marketplace Call Center if you still have questions.
Never share any personal information by email. The Marketplace won’t ask you for your username, password, Social Security Number, or any bank account information by email.
If you’re concerned about your internet connection security, take a few minutes to learn how to make sure it’s secure.

For more information

Learn more about protecting yourself against phishing scams.
Learn how the Marketplace uses and protects your information.

Can you save on a 2017 Marketplace health plan?

Healthcare.gov — Thu, 10 Nov 2016 00:00:00 -0500

It’s time to sign up for affordable, quality health insurance at HealthCare.gov. About 85% of Marketplace consumers qualify for tax credits to help with costs. Are you one of them?

Plans may be cheaper than you think

For 2017 Marketplace health insurance, most people can find a plan with premiums from $50 to $100 per month after financial help.
The median deductible has gone down $900 from last year. This is the amount you have to pay yourself for most services before your plan starts to pay.
Even if you want to keep the same plan, it’s important to update your information and shop around. Last year, people who switched plans saved an average of $500.

Quick check: See if you’ll save on a 2017 plan

Select your state and household size to find out if you may qualify for savings on 2017 Marketplace coverage.

WILL YOU SAVE?

Take action & apply

First time using HealthCare.gov? Create an account now.
Have 2016 Marketplace insurance? Log in to an existing account.
Important: If you want your coverage to start January 1, 2017, you must enroll or change plans by December 15, 2016.

Enroll in 2017 health insurance coverage now!

Healthcare.gov — Tue, 01 Nov 2016 00:00:00 -0400

The Health Insurance Marketplace is open for business! Starting today, you can apply for 2017 health insurance coverage for the first time — or renew, change, or update your current health plan for 2017.

How to get 2017 health insurance

Before you enroll, you can preview plans with personalized price estimates and find out if you may qualify for savings — most people do!

When you’re ready to fill out or update your application, follow these steps:

New to HealthCare.gov? Create an account and take your next steps.
Have a 2016 Marketplace plan? Log in and update your application with any household or income changes you expect for 2017. Even if you want to keep the same plan, we strongly encourage you to update your information to get the right amount of savings. Plus, new and more affordable health plans may be available.

IMPORTANT: Act by December 15 for January 1 coverage

For coverage starting January 1, 2017, you must enroll or change plans by December 15, 2016. See other key dates.

Preview 2017 plans & prices now!

Healthcare.gov — Mon, 24 Oct 2016 00:00:00 -0400

Open Enrollment for 2017 health insurance starts on November 1, 2016. To get a head start, you can preview 2017 plans with personalized price estimates right now.

All you have to do is answer a few brief questions about your estimated 2017 income and household to see the health insurance plans and estimated prices available to you for 2017.

PREVIEW 2017 PLANS & PRICES

Note: Premium estimates show any savings you may qualify for based on only the basic 2017 information you entered. You’ll see the exact prices you’ll pay when you fill out or update your Marketplace application.

Open Enrollment deadlines: Enrollment starts November 1!

Healthcare.gov — Thu, 13 Oct 2016 00:00:00 -0400

Open Enrollment for 2017 Marketplace health insurance is just a few weeks away. Here are some important health care enrollment and other dates to remember:

November 1, 2016: Open Enrollment 2017 starts. This is the first day you can enroll, re-enroll, or change health plans for 2017.
December 15, 2016: You must enroll in or change health plans by this date for your health plan to start January 1, 2017.
January 1, 2017: 2017 insurance starts if you enrolled or changed plans by December 15.
January 31, 2017: Last day to enroll in or change a 2017 health plan. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.

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.
2017 health plans and prices will be available to preview shortly before Open Enrollment starts. Check back soon.

This Open Enrollment, don’t forget to compare 2017 Marketplace health plans

Healthcare.gov — Thu, 06 Oct 2016 00:00:00 -0400

If you have 2016 Marketplace health insurance, you can renew, change, or update your plan for 2017 starting November 1, 2016.

IMPORTANT: 2017 health insurance plan & price previews coming soon

2017 health plans and prices will be available for preview on HealthCare.gov shortly before November 1.

3 reasons why it’s important to update and compare health coverage plans for 2017

New Plans: New, affordable plans that meet your needs and budget may be available this year. You may find 2017 health plans that better meet your needs and budget — especially if you’ve had or expect income or household changes.
Accurate Savings: Your 2017 health care savings are based on your expected 2017 income, not last year’s. If you don’t update your information, your premium tax credit and other savings could be wrong for 2017. This means you could wind up paying more for your monthly premium or owing when you file your taxes.
Best Plan for You: You may be automatically enrolled for 2017, but this may not be the best way to get a health insurance plan that works for you, with the right savings. If you don’t renew or enroll in a plan by December 15, 2016, you may be automatically enrolled in the same or a similar plan. Even if you want that plan, you should still update your information and see all the plans available to you for 2017. You can do this as soon as November 1.

Get more information on renewing, changing, or updating your health plan for 2017.

5 tips to get ready for 2017 Marketplace Open Enrollment

Healthcare.gov — Thu, 29 Sep 2016 00:00:00 -0400

Open Enrollment for a 2017 Health Insurance Marketplace plan is almost here.

Starting November 1, 2016, you can sign up for 2017 health insurance (with coverage starting as soon as January 1, 2017) at HealthCare.gov. That’s just about a month away! You’ll be able to preview plans and prices for 2017 shortly before then.

5 tips to prepare for 2017 Open Enrollment

Get a quick Marketplace overview. If you’re new to the Marketplace, this single health coverage overview page tells you what you need to know and provides links to more.
Mark key dates on your calendar. Learn about the key dates and deadlines to make sure you’re covered January 1.
Make sure you have everything you’ll need to apply. Use this simple health care checklist (PDF) to gather the documents you’ll need to complete your application.
Stay up-to-date with the latest health care information. Sign up for email and text message reminders to get important health coverage information.
Learn how to pick a health insurance plan that’s right for you. Choosing a health plan can be complicated. Knowing just a few things before you compare plans can make it simpler.

Take action: Flu season is almost here

Healthcare.gov — Thu, 22 Sep 2016 00:00:00 -0400

Flu season can start as early as October, so it’s important to be proactive and get the flu shot to protect yourself and your family from this potentially serious disease.

The CDC encourages mostly everyone 6 months and older to get the flu vaccine each year. Here are 3 reasons why you shouldn’t put it off:

It’s free. If you have a Marketplace health insurance plan, you can get the flu shot for free from a doctor or other provider in your plan’s network.
It's easy. You can get a flu shot at many convenient locations, like pharmacies and some grocery stores.
You’ll protect yourself and others. With a flu shot, you can reduce your chance of getting sick and spreading the flu to others.

Get more information on protecting yourself from the flu.

Other advantages of Marketplace insurance

Flu shots aren’t the only preventive benefit covered by Marketplace plans. They also cover a set of preventive health care services — including some screenings, check-ups, patient counseling, and wellness services. These are all free when delivered by a network provider, so be sure to take advantage of them!

3 ways to get information for 2017 health insurance coverage

Healthcare.gov — Thu, 15 Sep 2016 00:00:00 -0400

With 2017 Open Enrollment starting November 1, now is a great time to sign up for reminders and updates from the Health Insurance Marketplace about 2017 coverage.

It’s easy — just enter some quick information to get reminders, and follow us on social media. After you’re signed up, we’ll tell you about upcoming changes, deadlines, and new features. Plus, we’ll let you know as soon as the health plans and prices for 2017 are available to preview.

Here are 3 simple ways to stay connected and get health insurance information:

3 simple tips to stay healthy with Marketplace insurance

Healthcare.gov — Thu, 08 Sep 2016 00:00:00 -0400

Getting health insurance is an important first step to better health and well-being! If you’ve gotten coverage, get the most out of your Marketplace health insurance plan and stay healthy throughout the year by following these simple tips.

3 tips to a healthier you

Practice preventive care. Staying healthy increases the chances you’ll be there for your family and friends for many years to come. Be sure to take advantage of the free preventive services that come with your Marketplace plan and get your recommended health screenings.
Understand what providers are covered by your health plan and where to go for care. Some plan types allow you to use almost any doctor or health care facility. Others limit your choices or charge you more if you use providers outside their network. Check with your plan for more information on what providers you can use and what your costs will be.
Find a doctor you can trust. Choosing the right provider is one of the most important decisions you’ll make about your health care, and finding the right one can take a little work.

For more information about using your health insurance and improving your health, visit our Coverage to Care Roadmap (PDF) .

Start the school year strong with health insurance

Healthcare.gov — Thu, 01 Sep 2016 00:00:00 -0400

College is stressful enough, so give yourself the peace of mind that comes with having health insurance this school year. Getting health insurance may be easier and cheaper than you think.

As a college student, you have several options available to you that count as "qualifying health coverage". With a range of plan types and costs to choose from, it's not hard to find health insurance that works for your life and your budget.

Health insurance options for college students

Coverage under your parent's insurance plan: You may be able to stay on your parent's health plan until you turn 26.
Student health plans: If your school offers a student health plan, it can be an easy and affordable way to get basic insurance coverage.
Marketplace health plans: Starting on November 1, 2016, you can enroll in a Marketplace health insurance plan that covers essential health benefits and other benefits. If you're under 30, you can buy a Catastrophic health plan to protect yourself from worst-case scenarios, like getting seriously sick or injured.
Medicaid or the Children's Health Insurance Program (CHIP): When you apply for coverage through the Marketplace, you'll find out if you qualify for Medicaid or CHIP. If you qualify, your coverage can begin immediately, any time of year.

Get more information

Under 30? Get a customized decision guide that'll help you decide what's right for you, by answering a few fast questions.

Brushing up on how to use Marketplace dental insurance

Healthcare.gov — Thu, 25 Aug 2016 00:00:00 -0400

When you enrolled in Marketplace coverage, you may have chosen a health plan that included dental coverage or purchased a separate, stand-alone dental plan.

Here are some tips to make sure you’re getting the most out of your dental insurance.

Know what services your dental plan covers

Even though many dental insurance plans cover common dental benefits — like fillings, cleanings, care to fix decayed or fractured teeth, and dentures — different plans cover different services.
Some dental plans only cover children and others cover families.
Check with your dental insurance company to find out what’s exactly covered.

Understand your out-of-pocket costs

With a high coverage level, you’ll have higher premiums but lower copayments and deductibles. So you'll pay more every month, but less when you use dental services.
With a low coverage level, you’ll pay less every month, but more when you get services.

Find a dentist that’s right for you

Not all types of providers take all insurance plans or types of coverage. Call the office before you go to make sure they accept your coverage.
When you make your appointment, have your insurance card or other documentation handy and know what services you want to get.

More advantages of having health insurance

Your Marketplace plan also covers treatment for pre-existing medical conditions and preventive health benefits.
Find out the other advantages of health insurance you get with your Marketplace plan.

Have a pre-existing condition? Don’t worry, you’re covered with the Marketplace

Healthcare.gov — Thu, 18 Aug 2016 00:00:00 -0400

Diabetic? Chronically sick? Don’t worry! With Marketplace health insurance, your plan covers treatment for any pre-existing medical condition you had when you enrolled in coverage.

You’re protected

Now that you’re enrolled, your health plan can’t deny you coverage, raise your rates, or refuse to pay for essential health benefits, just because you have a chronic or pre-existing medical condition.
Women also can’t be charged more than men. If you were pregnant before you applied, your insurance plan can’t reject you or charge you more because of your pregnancy.

What this benefit means for you

Treatment for any pre-existing medical condition — like a disability, asthma, diabetes, or cancer — is covered from the day your coverage began. Pregnancy is covered from the day your plan starts too, even if you were pregnant before your coverage began.
Marketplace plans can’t put annual or lifetime limits on your coverage.

Other benefits of having health insurance

Visit our Coverage to Care Roadmap (PDF) for more information on finding a provider you can trust to treat your pre-existing condition. You may need to see more than one type of provider, like a specialist.
Learn more about getting health insurance with a pre-existing condition.
Take advantage of the other health benefits available to you with your Marketplace plan.

Take charge of your health with free Marketplace insurance benefits for women

Healthcare.gov — Thu, 11 Aug 2016 00:00:00 -0400

Now that you have Marketplace health insurance, you have more ways to take charge of your health.

Your Marketplace plan covers a long list of free preventive services for women — including mammograms, yearly well-woman doctor visits, and other screening tests. All plans also cover other health care for women, like pregnancy and childbirth.

Free preventive health care for women

With your Marketplace coverage, you have access to several preventive services — like annual well-woman visits and genetic testing for breast cancer, if you’re at risk. These services are free when you go to a provider in the plan’s network, even before you’ve met your deductible.
See a full list of free preventive benefits for women that your Marketplace plan covers.

Contraception

Marketplace plans must cover FDA-approved contraceptive methods — including birth control pills — as prescribed by a health care provider.
Find out more about birth control benefits in the Marketplace.

Pregnancy, childbirth & breastfeeding

Both maternity care and childbirth are covered by all Marketplace plans — even if you’re pregnant before your health coverage starts.
Most Marketplace plans provide breastfeeding equipment and counseling for pregnant and nursing women. Your health insurance plan will cover the cost of a breast pump — either a rental or one you’ll keep, depending on your plan’s rules and provider recommendations.
Get more information on pregnancy and breastfeeding health care for women.

More information on health insurance for women

Learn more about the advantages of having health insurance and all free preventive health services available to women with Marketplace insurance.

Take advantage of free preventive health care with Marketplace insurance

Healthcare.gov — Thu, 04 Aug 2016 00:00:00 -0400

Did you know that with a Marketplace health insurance plan preventive services — like shots and screening tests — are covered at no cost to you? These free preventive services can help you stay healthy and save you money in the long run.

Are you currently uninsured but want access to these benefits?

You may be able to enroll in Marketplace coverage now if you qualify for a Special Enrollment Period.
If you don’t, you can apply for 2017 coverage during the next Open Enrollment Period starting November 1, 2016.

Examples of covered preventive health services

Here are just some of the preventive benefits available to you and your family with Marketplace insurance:

For all adults:
- Screenings for blood pressure, diabetes, HIV, and certain cancers
- Colorectal cancer screenings (colonoscopies)
- See the full list of covered services for adults.
For women:
- Yearly well-woman visits
- Breastfeeding comprehensive support and counseling
- FDA-approved contraception methods
- See the full list of covered services for women.
For children:
- Regular check-ups
- Immunization vaccines, including the flu shot
- See the full list of covered services for children.

Note: These services are free only when delivered by a doctor or other provider in your plan’s network.

Get more information

Learn more about the advantages of having health insurance.

Understanding health insurance costs makes for better decisions

Healthcare.gov — Thu, 28 Jul 2016 00:00:00 -0400

When you buy a car, you probably think first about price — your monthly payment. But other expenses — like auto insurance, gas, and maintenance — can affect your wallet. Your total costs depend on which car you buy and the expenses that come with owning a car.

Health insurance can be like that. If you look only at your monthly payment, you may find that other costs have a big impact on your household budget.

Total yearly costs

It’s useful to think about your total yearly health insurance costs.

Premiums: What you pay your insurance company every month — your "monthly payment."
Deductible: The amount you have to pay before the insurance plan starts to pay its share. With a $900 deductible, you pay the first $900 of costs yourself. After that, the company starts to pay its share.
Copayments and coinsurance: What you pay (a dollar amount or percentage of costs) when you get care after your insurance company starts paying.

Note: All plans provide free preventive care (including child checkups and vaccinations, well-woman visits, and more). And most plans cover some services before you hit your deductible, like discounted drugs, periodic checkups, and services to help you manage conditions like asthma or diabetes. You also get discounted prices from network providers from day one.

Your total yearly health insurance costs depend on how much care you use

If you don’t expect to use much care during the year, or if you have insurance mainly for protection against really high bills and for preventive care, looking mostly at your monthly premium may be right for you. You’ll pay a low premium but face high costs when you use care.
If you expect to use regular care, or a lot of care, a plan with a higher premium may be a better overall deal. Plans with higher premiums usually have lower deductibles, copayments, coinsurance, and out-of-pocket limits. So even if you pay more each month you may save money overall.

We help you figure out your total health care costs

When you preview plans and prices or shop for plans, you can pick a level of care you think you’ll need for the year.
When you compare plans we’ll show you "total estimated yearly costs" — including premiums, deductibles, and copayments/coinsurance — for each one, based on the level of care you expect. Then you can compare the real costs of health insurance side-by-side.

Get more information about your total health care costs.

Common Marketplace health insurance questions and answers

Healthcare.gov — Thu, 21 Jul 2016 00:00:00 -0400

If you have questions about the Marketplace, don’t worry. Health insurance help is available.

For fast answers to your health care questions — whether they’re about managing your health insurance coverage, finding forms and documents, or understanding costs and savings — visit our Get Answers page.

3 common questions answered

How can I get health coverage now that Open Enrollment is over?

Open Enrollment for a 2016 plan is over, but you may still be able to enroll in 2016 health insurance 2 ways:

With a Special Enrollment Period (SEP) — like if you lose your health insurance, or have certain other life changes. Not sure you qualify for an SEP? Answer a few questions to find out.
You can also apply for Medicaid and the Children's Health Insurance Program (CHIP) any time and can enroll immediately if you're eligible.

If I don’t qualify for an SEP, Medicaid, or CHIP, when can I enroll next?

The Open Enrollment Period for 2017 coverage is November 1, 2016 — January 31, 2017. Sign up for emails to get deadline reminders and other important information.

What should I do if I get a notice asking me for documents to verify something on my application (like my income), or my eligibility for a Special Enrollment Period?

To avoid losing your health insurance and any savings you’ve been getting, you must submit document copies by the deadline in your notice. Learn more here.

Still need answers?

Browse all topics
Visit our glossary for help with specific terms related to health coverage
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Give us a call to have your health insurance questions answered by a customer service representative
Find someone in your area who may be able to meet with you in-person

Lose your health insurance? You may be able to enroll now

Healthcare.gov — Thu, 14 Jul 2016 00:00:00 -0400

If you recently lost health insurance coverage, you may be able to enroll in Marketplace coverage with a Special Enrollment Period.

Health insurance losses that may qualify for a Special Enrollment Period

Loss of job-based insurance: You may qualify if your employer stopped offering health insurance, or you left a job where you had health coverage (even if you left by choice or were fired).
Loss of individual health plan: You may qualify if you’re no longer eligible for a student health plan, or your Marketplace plan is discontinued
Loss of eligibility for Medicaid or the Children's Health Insurance Program (CHIP): You may qualify if you lose your eligibility because your income changed, making you ineligible for Medicaid, or if your child ages off CHIP.
Loss of eligibility for Medicare: You may qualify if you become ineligible for premium-free Medicare Part A.
Loss of coverage through a family member’s plan: You may qualify if you turn 26 and can no longer be on a parent’s plan, or lose health coverage through a spouse due to a divorce, legal separation, or through the death of a family member.

See if you qualify for Special Enrollment Period

Answer a few questions to find out if you qualify for a Special Enrollment Period. We’ll also tell you if you may qualify for Medicaid or CHIP, which you can enroll in any time.

SEE IF YOU QUALIFY

Learn more about applying with a Special Enrollment Period.

Can you enroll in health insurance now?

Healthcare.gov — Thu, 07 Jul 2016 00:00:00 -0400

Have you recently lost other health coverage, moved to a new home in a new ZIP code or county, gotten married, or had a baby? When big changes happen in life, you may be able to enroll in Marketplace health insurance right away with a Special Enrollment Period.

Click the button below, and answer a few questions about your major life change to find out if you qualify for a Special Enrollment Period:

SEE IF YOU QUALIFY

If you qualify for a Special Enrollment Period, you’ll have 60 days from the life event to enroll. When you apply, you’ll also find out if you qualify for Medicaid or the Children’s Health Insurance Program (CHIP). If you do, coverage can start the day you apply or earlier.

IMPORTANT When you apply, you must attest that the information you provide on the application is true, including the facts that qualify you for a Special Enrollment Period. You may be asked to submit documents that prove your eligibility to enroll.

If you already think you qualify

Start an application for Marketplace health insurance by visiting the screener landing page and selecting the third button.

Learn more about applying with a Special Enrollment Period.

Retired? You have health insurance options

Healthcare.gov — Thu, 30 Jun 2016 00:00:00 -0400

If you recently retired and aren’t eligible for Medicare yet, you may be able to get health insurance through the Health Insurance Marketplace.

While retiring from a job alone doesn’t qualify you for a Special Enrollment Period, losing health insurance does. If you lost health insurance when you retired, you have 60 days to enroll in a health plan outside Open Enrollment.

When you lose job-based insurance you may be offered COBRA continuation coverage.

If you decide not to take COBRA coverage, you can enroll in a Marketplace plan instead.
If you’ve already started COBRA coverage, you have different options.

If you have retiree health insurance but want to buy a Marketplace plan instead, you can. But you won’t be able to get premium tax credits and other savings in the Marketplace. If you voluntarily drop your retiree health coverage, you don’t qualify for a Special Enrollment Period.

Apply with a Special Enrollment Period

Answer a few quick questions to see if you may qualify for a Special Enrollment Period or for Medicaid or CHIP. We’ll tell you your next steps.
Already know you qualify? Go to the Start Page and select the third button to start an application.

Note: Losing health coverage 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, moving, or adopting a child.

More health coverage options for retirees

Find out more about health insurance options for retirees.
Have Medicare? Learn about Medicare and the Marketplace.

Having a baby? You may be able to get or change health insurance outside Open Enrollment

Healthcare.gov — Thu, 23 Jun 2016 00:00:00 -0400

If you recently had or adopted a baby, you may qualify for a Special Enrollment Period. This means you can apply and enroll in or change Marketplace health plans outside Open Enrollment.

When you enroll in a plan during a Special Enrollment Period, your new health coverage can begin the day your baby is born — even if you enroll in the plan up to 60 days afterward.

Apply with a Special Enrollment Period

Answer a few quick questions to see if you’re likely to qualify for a Special Enrollment Period or for Medicaid or CHIP. We’ll tell you your next steps.
Already know you qualify? Go to the Start Page and select the third button to start an application.

More on Special Enrollment Periods

Having a baby 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, moving, or losing coverage you had from a job.

Learn more about getting coverage outside Open Enrollment.

Attention: Report household and income changes to the Marketplace

Healthcare.gov — Thu, 09 Jun 2016 00:00:00 -0400

If you have a Marketplace health plan and your income or household has recently changed, you should report the major life change as soon as possible.

Major life changes — like higher or lower income, adding or losing household members, or getting other health coverage — may affect the health insurance or savings you’re eligible for.

If you don’t report changes, you could wind up owing more — or less — when you file your next federal tax return. Avoid surprises by keeping your information up-to-date.

Why you should report changes to the Marketplace

You may qualify for more savings than you’re getting now if your income goes down or you gain a household member. This could lower what you pay in monthly premiums. You also could qualify for Medicaid or CHIP coverage and could continue to pay more than you need to for a Marketplace plan by not reporting the change.
You may qualify for less savings than you’re getting now if your income goes up or you lose a member of your household. If you don’t report the income change, you could wind up having to pay money back when you file your federal tax return for the year.

Want a better idea of how your savings may change? Use this tool from the IRS to estimate how your premium tax credit will change if your income or family size change.

How to report income changes or other major life changes

You can report changes to the Health Insurance Marketplace 3 ways: online, by phone, or with in-person help.
Find out how to report changes.

Planning a move? You and your family may be able to enroll in health insurance

Healthcare.gov — Fri, 03 Jun 2016 00:00:00 -0400

If you or your family are moving (or have moved in the past 60 days), you may still be able to enroll in affordable family health insurance this year through a Special Enrollment Period.

IMPORTANT Starting July 2016, in most cases, you must prove you had qualifying health coverage for one or more days during the 60 days before your move.

Depending on where you move, new health care options, prices, and savings may be available to you. In most cases, you’ll have 60 days from your move date to enroll in new coverage or change plans.

Moves that qualify for a Special Enrollment Period

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

Not sure if you qualify?

Just answer a few quick questions to find out. If you already know you qualify, learn how to apply.

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.

Learn more about getting coverage outside Open Enrollment.

Using your Marketplace insurance to keep you healthy

Healthcare.gov — Thu, 26 May 2016 00:00:00 -0400

Getting health insurance is an important first step to better health. Now that you’re covered, here are 3 ways to get the most out of your health plan:

Find a provider you trust

Even if you don’t need care right now, it’s important to find a doctor you can trust and work with.

You usually get the best deal if you choose someone in your network. If you see doctors outside your network, you might pay more or get no coverage at all.

To find a doctor in your health coverage plan, or to see if your current doctor is in-network, visit your health plan’s website and check their provider directory. Then call the doctor directly to be sure.

Understand your deductible

Your health insurance deductible is the amount you owe for most covered health care services before your plan begins to pay its share. If your deductible is $250, you pay $250 in medical costs yourself, and after that you pay just a copayment or coinsurance. If your deductible is $3,000, that’s how much you’ll pay yourself.

It’s important to learn which services in your plan aren’t subject to your health insurance deductible. Some plans provide primary care visits for just a copayment before you meet your deductible; others offer discounts on drugs, including generic drugs. Some offer free disease management programs.

Read your plan materials carefully to see what services are covered before you meet your deductible. Call your insurance company if you have questions.

Use your preventive health services

All Marketplace plans cover recommended preventive health care before you meet your deductible and at no cost to you, including:

Cancer screenings
Immunizations
Contraceptive services for women
Well-child visits
Annual well-woman visit
Regular pediatric services, including all shots
Breastfeeding benefits for pregnant and nursing women

For more tips on how to use your new coverage, visit our Coverage to Care Roadmap (PDF).

Graduating? You have health insurance options

Healthcare.gov — Thu, 19 May 2016 00:00:00 -0400

Congrats, graduates! Whether you’re heading into the working world or planning your next move, you have options for affordable health insurance that works for your life and your budget.

Find your best options fast

Under 30? Just answer a few quick questions to get a personalized guide that’ll help you make a good coverage decision.

SEE OPTIONS

3 health insurance options

You may get insurance from your job, but if you don’t, you still have options for health coverage:

Under 26? Stay or get covered on a parent’s health insurance plan
- You may be able to get added to or stay covered under a parent’s health insurance plan until you turn 26 — even if you’re married, not living at home, financially independent, or have an offer of insurance through a job.
Buy your own health insurance plan
- You may be able to buy your own plan through the Health Insurance Marketplace. If you’re just starting out and not making much money, you’ll probably qualify for savings — which may make your monthly health insurance bill less than your cell phone bill.
- You also can choose a "Catastrophic" health plan — an affordable way to protect yourself from worst-case scenarios.
- Outside the yearly Open Enrollment Period, you can enroll only if you have a life change that qualifies you for a Special Enrollment Period. Turning 26 and dropping off a parent’s insurance plan, losing health insurance for any other reason, getting married, or having a baby are just a few changes that let you enroll in the off-season.
- See if you qualify for a Special Enrollment Period.
Get coverage through Medicaid or CHIP
- In some states, Medicaid covers all adults below a certain income level. If you qualify, you can enroll any time. See if this applies to your income and your state.
- In all states, Medicaid and the Children’s Health Insurance Program (CHIP) provide health coverage for some individuals, families and children, pregnant women, and people with disabilities.

Important: If you don’t have any health coverage you may have to pay a penalty. There’s no special exception for age or student status.

Get Medicaid & Children’s Health Insurance Program (CHIP) health insurance any time

Healthcare.gov — Thu, 12 May 2016 00:00:00 -0400

Open Enrollment for a 2016 Marketplace health insurance plan is over. But if you qualify for Medicaid or the Children’s Health Insurance Program (CHIP), you can get health insurance any time of year, with coverage starting immediately.

What are Medicaid and CHIP?

Medicaid provides coverage for some low-income people, families and children, pregnant women, the elderly, and people with disabilities.
Some states have expanded their Medicaid programs to cover all people below certain income levels.
CHIP provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid. In some states, CHIP covers parents and pregnant women too.

Find out if you qualify

Visit our screener, select the second option "See if you may qualify for Medicaid or CHIP," and answer a few quick questions.

Already know you qualify? You can apply for Medicaid and CHIP 2 ways:

By completing a health insurance application at HealthCare.gov
By applying directly to your state Medicaid agency

Learn more about qualifying for Medicaid and CHIP.

National Small Business Week: Keeping small businesses healthy

Healthcare.gov — Thu, 05 May 2016 00:00:00 -0400

It’s National Small Business Week. As we recognize and celebrate the contributions small businesses make — like job creation, innovation, and global competitiveness — it’s important to think about health care options.

If you’re the owner of a business with fewer than 50 full-time equivalent employees, you have choices that can make insurance more affordable, flexible, and easy to enroll in.

The Small Business Health Options Program can help

The Small Business Health Options Program (also known as SHOP) can help your small business offer quality health insurance that meets your employees’ needs and stays within budget.

5 benefits of SHOP

Access to tax credits: Buying coverage through the SHOP Marketplace is the only way for you to take advantage of the Small Business Health Care Tax Credit. The smallest employers can save 50% of the cost of their premiums.
Control over costs: The SHOP Marketplace lets you decide up front how much to contribute to premiums. Plans can’t charge higher premiums because of higher medical costs or pre-existing conditions.
Year-round enrollment: You generally can sign up for coverage any month of the year. So it’s easy to offer employees insurance when it’s right for the business.
Flexible coverage options: There’s a variety of plans available. You can let your employees choose among several (if they want to) so employees can select a plan that‘s right for them.
Support: Get in-person assistance from agents and brokers or trained navigators. They can help make the buying process even simpler. You can also contact the SHOP Call Center at 1-800-706-7893 (TTY: 711) weekdays from 9 a.m. to 7 p.m. ET.

Get more information

Get a quick overview of the SHOP Marketplace.
For more information and resources for your small business, visit the National Small Business Week website.
Are you a small business owner but with no employees? Learn more about health care options if you’re self-employed.

Asked to submit documents? Act now to keep your health insurance and financial help

Healthcare.gov — Thu, 28 Apr 2016 00:00:00 -0400

Did you get a notice from the Marketplace asking you for documents to verify information on your health insurance application? If so, some of the information you provided on your application — like your yearly income estimate, immigration status, or citizenship — doesn’t match our records.

This means you need to submit documents to resolve the data matching issue (sometimes called an "inconsistency"). If you don’t, you could lose your health insurance or help with premium costs.

5 tips to fix a data matching issue

Act quickly. You usually have 90 days to resolve a data matching issue before your health coverage and financial help could change or end.
Gather the right documents. Your notice will list the documents you can submit to fix a data matching issue.
Submit your documents. You can do this 2 ways — by uploading them online or by mailing a copy. Uploading is the fastest way to get them to us.
Avoid losing your coverage. If you don’t provide the documents by the deadline in your notice, you could lose your health coverage or pay a lot more.
Wait to hear it’s been resolved. If you’ve already submitted documents, you don’t need to send them again. We’ll send you a notice (usually around a month after we get your documents) to let you know whether your data matching issue was resolved, or if we still need more information.

Learn more about when the Marketplace asks for more information.

Pay your monthly premium to your health insurance company to avoid losing coverage

Healthcare.gov — Thu, 21 Apr 2016 00:00:00 -0400

If you enrolled in a 2016 health plan, you must pay your first month’s premium to your health insurance company to avoid losing your coverage.

IMPORTANT Pay your first month’s health insurance premium to your health insurance company, not the Marketplace, by the due date.

How to pay your premium

You may be able to pay your insurance company online using a link on HealthCare.gov:

Log in to your Marketplace account.
Select "Start a new application or update an existing one."
Choose "Go to my applications & coverage" at the bottom of the screen.
Select your 2016 application under "Your existing applications."
Click the blue button "Pay your first health insurance monthly premium."
If online payment is available, choose the green button "Pay for health plan" to go to your insurer’s payment portal.

Note: If your health insurance company doesn’t accept online payment, they should have contacted you with next steps. Contact your health insurance company if you haven’t received details on how to pay or aren’t sure that you paid your premium.

Learn more about how to complete your enrollment.

Don’t miss the deadline to file 2015 taxes

Healthcare.gov — Thu, 07 Apr 2016 00:00:00 -0400

Attention: The deadline to file 2015 federal income taxes is April 18th. You have just over one week to file.

No matter how you got your 2015 health coverage — through the Marketplace, your job, or another source — you must report your 2015 health coverage status to the IRS when you file.

4 things to know if you used premium tax credits with your Marketplace plan in 2015

You must file a 2015 tax return and "reconcile" your health insurance tax credit on your return.
- This means you compare the amount of tax credit you used in advance during the year with the amount you actually qualify for based on your final income.
- If you used more health insurance tax credit than you qualify for, you’ll pay the difference with your federal taxes. If you used less, you'll get the difference as a credit.
If you don’t file a 2015 tax return and reconcile, you could lose any advanced payments of the premium tax credit beginning in 2017.

Ready to get started? Choose the situation that best applies to your health insurance in 2015. You’ll get step-by-step directions and the health insurance tax forms you need.

Need tax help?

Find where to get free volunteer tax help or a tax software program.
Learn about the IRS Free File.

4 essentials for managing your health insurance plan

Healthcare.gov — Thu, 31 Mar 2016 00:00:00 -0400

If you’re enrolled in a 2016 health insurance plan, here’s what you need to know to about getting the full benefit of your health coverage and keeping it up to date.

4 health insurance tips to use all year

Pay your first month’s premium to your plan if you haven’t already. You must pay it each month to keep your health insurance benefits.
Submit any missing documents. If you get a notice saying there are data matching issues or "inconsistencies" in your application, some information you provided doesn’t match our records. To avoid losing your health coverage or savings, follow the directions in the notice and submit documents.
Update your income and 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 tax bill next year.
Be sure to file your 2015 taxes. If you had a 2015 plan with a premium tax credit, you must file a 2015 federal income tax return. If you don’t, you may lose any savings you’re getting on a 2016 plan.

Didn’t enroll in a 2016 health insurance plan?

Open Enrollment for a 2017 health plan begins on November 1. But if you qualify for a Special Enrollment Period, or Medicaid or CHIP, you can apply for 2016 coverage now.

Make sure you have the right 1095 tax forms to file your taxes

Healthcare.gov — Thu, 24 Mar 2016 00:00:00 -0400

Don’t forget to use your health insurance tax form to file your 2015 federal income taxes! The 1095 tax forms you’ll need depend on whether you had health insurance coverage through the Marketplace or another source, like your job.

If you had 2015 health coverage

If you had Marketplace coverage with savings or without savings: Use Form 1095-A, Health Insurance Marketplace Statement. If you received savings, you’ll use this form to "reconcile" your premium tax credit based on your final 2015 income. Don’t file your taxes until you have an accurate 1095-A.
If you had health coverage through your job, a retiree health plan, the Small Business Health Options Program (SHOP), or COBRA: Use Form 1095-B, Health Coverage or Form 1095-C, Employer-Provided Health Insurance Offer and Coverage. You should have it by the first week of April, but if you don’t, you can file without it.
If you had other coverage, like Medicare, Medicaid, or the Children's Health Insurance Program (CHIP): Use Form 1095-B, Health Coverage. If you don’t get the form by the first week in April, don’t worry. Some insurance providers don’t provide the form to their customers, but do send a copy to the IRS. You don’t need to have one to file your taxes.

If you didn’t have 2015 health insurance

If you weren’t enrolled in a health plan that qualifies as minimum essential coverage for all or part of 2015, you must either claim a health coverage exemption or pay a fee with your federal income tax return.

How to use your new Marketplace health coverage

Healthcare.gov — Thu, 17 Mar 2016 00:00:00 -0400

Congratulations on enrolling in 2016 health coverage! Now that you’re covered, here are a few tips to help you stay healthy and get the care you need.

3 ways to use your health insurance to stay healthy

Find a doctor and get medical care: If you don’t have a doctor, check your plan to find one in your network. If you get medical services from a provider in your plan’s network, you’ll pay lower prices than you would without insurance. That can save you hundreds of dollars per year, even if you don’t meet your deductible.
Learn about your prescription benefits: Health plans help pay the cost of certain prescription medications. Some plans offer reduced prices on generic drugs even before you’ve met your deductible.
Stay healthy with preventive benefits: All health plans sold through the Marketplace cover a set of preventive services at no cost to you when delivered by a network provider. These include some screenings, check-ups, patient counseling, and wellness services.

If you’ve never had health insurance or if it’s been a while, you can get more information about using your coverage and improving your health using our Roadmap to Better Care and a Healthier You (PDF).

What to do if your Form 1095-A is incorrect

Healthcare.gov — Thu, 10 Mar 2016 00:00:00 -0500

If you enrolled in a Marketplace health insurance plan for 2015, you should have gotten tax Form 1095-A, Health Insurance Marketplace Statement in the mail. If you have an online Marketplace account, it should be there too.

Check your 1095-A to make sure it’s correct

Carefully read the instructions on the back, and make sure the information is accurate. If anything about your household or coverage is wrong, contact the Marketplace Call Center. They’ll send a corrected version. Don’t file your taxes until you get it.
Think the "monthly enrollment premium" may be wrong? Read this before calling.
If your "monthly second lowest cost silver plan (SLCSP) premium" (Part III, Column B) is "0" or blank for any month someone in your household had Marketplace coverage, it may be wrong. It may also be wrong if you didn’t report a change to your household — like having a baby or getting married. If your SLCSP premium is the only thing wrong, you don’t need to request a new form. You can just use our tax tool to get the right figure.

IMPORTANT Don’t file your taxes until you have an accurate 1095-A for 2015.

More information on 2015 Form 1095-A

Get IRS Form 1095-A instructions for filing your taxes.
Find out how to reconcile your premium tax credit using the form.
Don’t have it? Find out how to find it online.

How to “reconcile“ your 2015 Marketplace premium tax credit

Healthcare.gov — Fri, 26 Feb 2016 00:00:00 -0500

If you had a 2015 Marketplace health plan and used premium tax credits to lower your monthly payment, you'll need to "reconcile" when you file your federal tax return. Reconciling can affect either the amount of your refund or the amount of tax you owe.

To reconcile, you'll compare 2 figures:

The amount of premium tax credit you used in advance during the year. (This was paid directly to your health plan so your monthly payment was lower.)
The premium tax credit you actually qualify for based on your final 2015 income.

If you used more premium tax credit than you qualify for, you’ll pay the difference with your federal taxes. If you used less, you'll get the difference toward a refund.

See a step-by-step guide to reconciling your premium tax credit.

IMPORTANT You must have your Form 1095-A to complete this process. Don’t have your 1095-A? See how to find it.

Health Insurance Blog - Healthcare.gov

Make your health a priority — Get Marketplace insurance

3 reasons to sign up now

Take action to apply and enroll

After you enroll in 2017 coverage, don’t forget to pay your monthly premium

When & how to pay for health insurance

Understanding & using your new coverage

It’s not too late: Update, shop & switch plans through Jan 31

Don’t miss out on the best plan & savings for you

Don’t miss the Dec 15 deadline for Jan 1 coverage!

3 reasons to sign up now

How to enroll or update plans today

Don’t miss out on savings & new plans: Update and compare by Dec 15

Why keep your information current

Ready to update your application?

How to protect yourself from "phishing" scams

Look out for "phishing" emails

If you think you get a "phishing" email

For more information

Can you save on a 2017 Marketplace health plan?

Plans may be cheaper than you think

Take action & apply

Enroll in 2017 health insurance coverage now!

How to get 2017 health insurance

More on Open Enrollment 2017

Preview 2017 plans & prices now!

More on 2017 Open Enrollment & plan estimation

Open Enrollment deadlines: Enrollment starts November 1!

Get ready today for November 1

This Open Enrollment, don’t forget to compare 2017 Marketplace health plans

3 reasons why it’s important to update and compare health coverage plans for 2017

5 tips to get ready for 2017 Marketplace Open Enrollment

5 tips to prepare for 2017 Open Enrollment

Take action: Flu season is almost here

Other advantages of Marketplace insurance

3 ways to get information for 2017 health insurance coverage

3 simple tips to stay healthy with Marketplace insurance

3 tips to a healthier you

Start the school year strong with health insurance

Health insurance options for college students

Get more information

Brushing up on how to use Marketplace dental insurance

Know what services your dental plan covers

Understand your out-of-pocket costs

Find a dentist that’s right for you

More advantages of having health insurance

Have a pre-existing condition? Don’t worry, you’re covered with the Marketplace

You’re protected

What this benefit means for you

Other benefits of having health insurance

Take charge of your health with free Marketplace insurance benefits for women

Free preventive health care for women

Contraception

Pregnancy, childbirth & breastfeeding

More information on health insurance for women

Take advantage of free preventive health care with Marketplace insurance

Examples of covered preventive health services

Get more information

Understanding health insurance costs makes for better decisions

Total yearly costs

Your total yearly health insurance costs depend on how much care you use

We help you figure out your total health care costs

Common Marketplace health insurance questions and answers

3 common questions answered

Still need answers?

Lose your health insurance? You may be able to enroll now

Health insurance losses that may qualify for a Special Enrollment Period

See if you qualify for Special Enrollment Period

Can you enroll in health insurance now?

If you already think you qualify

Retired? You have health insurance options

Apply with a Special Enrollment Period

More health coverage options for retirees

Having a baby? You may be able to get or change health insurance outside Open Enrollment

Apply with a Special Enrollment Period

More on Special Enrollment Periods

Attention: Report household and income changes to the Marketplace

Why you should report changes to the Marketplace

How to report income changes or other major life changes

Planning a move? You and your family may be able to enroll in health insurance