Getting a Health Insurance Marketplace® plan: 4 steps

Cross-posted from: HealthCare.gov blog

Enroll for 2025 now.

Fill out an application, compare plans, and enroll in health coverage for 2025. Enroll by December 15 for coverage that starts January 1.

Log in or create an account to start your application.

If you’re new to the Marketplace, follow these 4 steps to apply and enroll.

Already have an account? Log in to apply.

Before You Get Started: Get Key Resources

• Discover what Marketplace plans cover, including treatment for pre-existing medical conditions and other essential health benefits.
• Preview health plans and prices to get an estimate.

1. Create a Marketplace Account

• Enter some basic information, like your name, address, and email address to start.
• If your state runs its own Marketplace, we’ll take you there.
• Create account.

2. Get Ready to Apply

• Learn how to get ready.
• Use this checklist to gather everything you may need (PDF, 163 KB).
• Find out how to estimate your income for your application.
• Need help with your application? Learn ways to apply for health coverage.

3. Get “Eligibility Results” Right Away

Submit your application to find out if you qualify for:

• A Marketplace health insurance plan with savings, like the premium tax credit to help pay monthly premiums or lower copayments, coinsurance, and deductibles.
• Free or low-cost coverage through Medicaid and the Children’s Health Insurance Program (CHIP).
• Lower costs — See if you might save before you apply.

4. Enroll in Health Coverage

• Compare health plans and prices available in your area and enroll in the one that best meets your needs.
• Learn how to pick a plan. Or, watch the video.
• Need dental coverage too? Discover 2 ways to get it.
• Pay your premium to your insurance company for your coverage to start.
• Ready to apply & enroll? Log in.

After You Enroll

• You’ll get a packet in the mail with your new insurance card and more information about your health plan. Start using your coverage.
• If you need to make changes to your plan, you can do so if you're moving, having a baby, or adopting a child.
• If your income or household changes, update your application as soon as possible. Your coverage options and savings may be impacted.
• If you’re eligible for Medicaid or CHIP, you’ll get information and next steps from your state.