The new Health Insurance Marketplace helps uninsured people find health coverage. You can create an account, apply for coverage, pick a plan from a selection of plans for which you are eligible, and enroll in the plan you choose.
When you fill out a Marketplace application, you’ll find out if you qualify for:
- Lower costs on monthly premiums for private insurance plans
- Free or low-cost coverage available through Medicaid or the Children’s Health insurance Program (CHIP)
The Health Insurance Marketplace offers four levels of plans – bronze, silver, gold, and platinum, all with different costs and coverage. Plans cover essential health benefits, pre-existing conditions, and preventative care. All plans in the Marketplace have to show what is covered and the costs in simple language with no fine print. And, no plan can turn you away because of your health condition or gender.
If you don’t qualify for lower costs, you can still use the Marketplace to buy insurance at the standard price.
Most people must have health coverage in 2014 or pay a fee. If you enroll by March 31, 2014, you won’t have to pay a fee.
About the Marketplace