Marketplace Insurance: 1-800-318-2596

Overview

The Health Insurance Marketplace, also known as the Affordable Care Act (ACA) Marketplace, is a health insurance exchange established by the ACA in 2010. The Marketplace allows individuals and small businesses to purchase health insurance plans that meet certain standards and offer financial assistance to those who qualify.

How to Get Health Insurance

There are three ways to get health insurance through the Marketplace:

1. Online: You can visit the Marketplace website at www.healthcare.gov to create an account and compare plans.
2. By phone: You can call the Marketplace at 1-800-318-2596 to speak to a representative who can help you find a plan and enroll.
3. In person: You can visit a local enrollment center to get help from a trained navigator.

Who is Eligible for Marketplace Coverage?

Most people are eligible for Marketplace coverage, regardless of their income or health status. However, there are some exceptions, such as:

• People who are incarcerated
• People who are not legal residents of the United States
• People who are eligible for Medicare or Medicaid

What Plans Are Available?

The Marketplace offers a variety of health insurance plans, including:

• Bronze plans: These plans have the lowest monthly premiums but also the highest out-of-pocket costs.
• Silver plans: These plans have moderate monthly premiums and out-of-pocket costs.
• Gold plans: These plans have the highest monthly premiums but also the lowest out-of-pocket costs.
• Platinum plans: These plans have the highest monthly premiums but also the lowest out-of-pocket costs.

How to Choose a Plan

When choosing a Marketplace plan, it is important to consider the following factors:

• Your budget: How much can you afford to pay for monthly premiums and out-of-pocket costs?
• Your health needs: What kind of health care do you need? Do you have any chronic conditions?
• Your preferences: Do you prefer a plan with a low monthly premium or a plan with low out-of-pocket costs?

Financial Assistance

If you qualify, you may be eligible for financial assistance to help you pay for your Marketplace plan. The amount of assistance you receive will depend on your income and family size.

How to Apply for Financial Assistance

You can apply for financial assistance when you enroll in a Marketplace plan. You will need to provide information about your income and family size.

Renewal and Changes

Your Marketplace plan will renew automatically each year unless you make changes. However, you can make changes to your plan during the open enrollment period, which runs from November 1 to January 15.

Additional Resources

• Health Insurance Marketplace website
• Marketplace call center
• Local enrollment centers

**Frequently Asked Questions**

Q: How much does Marketplace insurance cost?

A: The cost of Marketplace insurance varies depending on your age, location, and income. However, the average monthly premium for a Bronze plan is $400.

Q: What is the open enrollment period?

A: The open enrollment period for Marketplace insurance runs from November 1 to January 15.

Q: How do I apply for Marketplace insurance?

A: You can apply for Marketplace insurance online, by phone, or in person.

Q: What is financial assistance?

A: Financial assistance is money that can help you pay for your Marketplace insurance. The amount of assistance you receive will depend on your income and family size.

Q: How do I get financial assistance?

A: You can apply for financial assistance when you enroll in a Marketplace plan. You will need to provide information about your income and family size.