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Notice: During the government shutdown, continue using your 2025 health insurance plan and providers. Use this site to apply for and enroll in 2026 coverage during Marketplace Open Enrollment.

A quick guide to the Health Insurance Marketplace®

Getting a Health Insurance Marketplace® plan: 4 steps

If you’re new to the
, follow these 4 steps to apply and enroll.
Already have an account? Log in to apply.
 
Before you get started: Get key resources
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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
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2
Get ready to apply
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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
    to help pay monthly
    , or lower
    ,
    , and
    .
  • 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.
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4
Enroll in health coverage

How to Choose a Plan in the Health Insurance Marketplace®

How to Choose a Plan in the Health Insurance Marketplace®

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.
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