What is the Health Insurance Marketplace?
The Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll. The Health Insurance Marketplace is sometimes known as the health insurance “exchange.” Please click on the image to go to their website or scroll down for general information.
What you’ll learn when you apply in the Health Insurance Marketplace: When you use the Health Insurance Marketplace, you’ll fill out an application and see all of the health plans available in your area. You’ll find out if you can get lower costs on your monthly premiums for private insurance plans. You’ll learn if you qualify for lower out-of-pocket costs. The Marketplace will also tell you if you qualify for free or low-cost coverage available through Medicaid or the Children’s Health Insurance Program (CHIP).
Apply online, by mail, or in-person: You can apply for Marketplace coverage three ways: online, by mail, or in-person with the help of a Navigator or other qualified helper. Telephone help and online chat will be available 24/7 to help you complete your application.
Open enrollment starts October 1, 2013. Plans and prices will be available then. Coverage starts as soon as January 1, 2014.
Compare options in the Health Insurance Marketplace: Insurance plans in the Marketplace are offered by private companies, and they cover the same core set of benefits called essential health benefits. No plan can turn you away or charge you more because you have an illness or medical condition. They must cover treatments for these conditions. Plans can’t charge women more than men for the same plan.
Learn about the Marketplace in your state: While all insurance plans are offered by private companies, the Marketplace is run by either your state or the federal government. Find out if your state is operating the Marketplace by using the menu at the bottom of this page. If your state runs the Marketplace, you’ll get health coverage through your state’s website, not this one. If you live in Pennsylvania, you’ll use this website, HealthCare.gov, to apply for coverage, compare plans, and enroll. You can apply as early as October 1, 2013. Learn more about the Marketplace and how you can get ready.
The Marketplace simplifies getting health coverage: The Marketplace simplifies your search for health coverage by gathering the options available in your area in one place. You can compare plans based on price, benefits, quality, and other features important to you before you make a choice.
In the Marketplace information about prices and benefits will be written in simple language. You get a clear picture of what premiums you’d pay and what benefits and protections you’d get before you enroll. Compare plans based on what’s important to you, and choose the combination of price and coverage that fits your needs and budget.
Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)