The only way to know for sure is to fill out an application if you qualify for a Special Enrollment Period. But to get a quick idea, select your household size, state, and estimated 2021 income.
You can also provide some simple information and get a quick estimate of what plans may cost you for 2021.
The Marketplace bases savings on your estimated income for the year you want coverage.
Most households include:
Learn more about who to include in your household.
You may be asked to submit documents to confirm or add to information on your application, like your income, citizenship, or immigration status. You can upload documents online, which is the fastest and easiest way to get them processed. Or you can mail copies instead.
Learn more about submitting documents.
Update your application online as soon as possible. Premium tax credits and other savings are based on your income information on your application.
How you cancel depends on the reason you’re canceling and which family members you’re canceling for. Choose why you're ending coverage for step-by-step instructions.
Pay your monthly premiums to your insurance company, not the Marketplace. Contact your insurance company to find out when and how to make your payments.
Pay by your due date. If you don't, you could lose your coverage.
Outside Open Enrollment, you can change plans only if you qualify for a Special Enrollment Period due to a life event — like changing jobs, getting married, or having a baby. You usually have 60 days from the life event to enroll in a new plan.
Think you qualify for a Special Enrollment Period? Answer a few quick questions, and we’ll tell you how to apply.
If you haven’t had health insurance before or if it’s been a while, you can learn about using your coverage and improving your health with our "From Coverage to Care: A Roadmap to Better Care and a Healthier You" (PDF, 698 KB).
Outside Open Enrollment, you can get health insurance only 2 ways:
Think you may qualify for a Special Enrollment Period? Answer a few quick questions to find out.
Answer a few fast questions to see plans with personalized price estimates before you apply.
The only way to know for sure is to fill out an application. But to get a quick idea, select your household size, state, and estimated 2021 income to see if you’re in the range to save.
You can also preview plans and prices and get an estimate of what plans cost based on your income.
When you apply for Marketplace coverage with a Special Enrollment Period, you may be asked to provide documents to confirm the events that make you eligible. You must send the documents before you can start using your coverage. Learn more.
Outside Open Enrollment, you can get health insurance only 2 ways:
Think you may qualify for a Special Enrollment Period? Answer a few quick questions to find out.
Answer a few fast questions to see plans with personalized price estimates before you apply.
You can report changes to the Marketplace 3 ways: online, by phone, or in person — not by mail. Learn how.
It's important to report any changes as soon as possible. These changes may affect your coverage and savings.
You can upload the documents online, which is the fastest and easiest way to get them processed. Or you can mail copies instead.
When you have Marketplace insurance, you'll pay your premiums directly to the insurance company — not to the Health Insurance Marketplace®. Your coverage won't start until you pay your first premium. Get more information on completing your enrollment.