The Marketplace is a health coverage service that helps you shop for and enroll in coverage that fits your needs and budget. The Marketplace can tell you if you qualify for an individual insurance plan with savings or whether you’re eligible for free or low-cost coverage through Medicaid or the Children's Health Insurance Program (CHIP). The official Marketplace website is HealthCare.gov.
Marketplace coverage is the only way to get premium tax credits to help lower your monthly premiums and savings on out-of-pocket costs with lower deductibles and copayments. All Marketplace plans must cover the same set of essential health benefits, including preventive care, doctor’s visits, prescriptions, and hospital and emergency services. No Marketplace plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started. Learn more about what Marketplace plans must cover.
You can apply and enroll with Insurance ‘n You. We’ll send your information to the Marketplace through HealthCare.gov and let you know the programs and savings you’re eligible for. If any of your information changes, you can also update your application through us.
If you fill out an application and learn that you’re eligible for coverage through Medicaid or Children's Health Insurance Program (CHIP), the Marketplace will automatically send your information to the state agency that runs these programs. We’ll give you an eligibility notice with more information.
Even if you enroll in coverage through Insurance ‘n You, you’ll still get some information directly from the Marketplace. Look for notices in the mail from the Marketplace and emails from HealthCare.gov. It’s important to read these notices and emails because they contain important information that you’ll only get from the Marketplace. We can help you with any follow up actions you may need to take, including requests from HealthCare.gov.
We can help most people with their application and enrollment directly on our site. If we need to redirect you to HealthCare.gov to complete your application, we’ll walk you through what to do and help you start to finish.
