If you’re new to the Marketplace, here are the basics. If you need more help, visit the official Marketplace Glossary of Terms.
1. The Marketplace is for people without health coverage.
- If you don’t have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP) or another source of qualifying coverage, the Marketplace can help you get covered.
- If you have job-based insurance: You can buy a Marketplace plan, but you’ll pay full price unless your job-based insurance doesn’t meet certain standards. Most job-based plans do.
- If you have Medicare: A Marketplace health or dental plan is not available to you.
2. What you pay for insurance depends on your income — and you’ll probably save.
- Your savings depend on your expected household income for the year. Over 8 in 10 people who apply are eligible for lower premiums.
- You may qualify for a premium tax credit that lowers your monthly insurance bill, and for extra savings on out-of-pocket costs like deductibles and copayments.
- The plans are offered by private insurance companies with a range of prices and features. All plans cover:
- Essential health benefits
- Pre-existing conditions, including pregnancy
- Preventive care
- You can add dental, but you don’t have to. You can’t buy a dental plan unless you enroll in a health plan.
3. You can apply for coverage in the following ways:
- Online at healthcare.gov
- By phone at 800.889.4325 or 855.747.4994
- With help from a BJC Certified Marketplace Counselor
- Using these forms
4. Open Enrollment for 2021 coverage runs through December 15, 2020. After December 15, you can enroll in 2021 health insurance only if you qualify for a Special Enrollment Period or if you qualify for Medicaid or CHIP.