How Can I Get Ready to Sign Up?

You will have some decisions to make and important information to gather to sign up for health insurance coverage when the marketplace opens again on Nov. 15. But there are a few things you can do now to get ready so it’s not so overwhelming.

  • Learn about different types of health coverage so you know what kind of plan fits you or your family.
  • If you already have a marketplace plan from 2014, you can keep your current one or shop around to change plans.
  • Make a list of questions you may have before it’s time to choose a plan, such as whether you can keep your current doctor.
  • Make sure you understand how coverage works, including things like premiums, deductibles, and copayments. This will help you determine what you have to pay and when. Healthcare.gov and BeCoveredTexas.org can help you understand these and other insurance terms.
  • Gather information about your household income, for example, pay stubs, W-2 forms, or tax returns. You will need this information to determine what kind of plan you may want, and whether you qualify for tax credits or subsidies. When you enroll, you will also have to provide information on any insurance you currently have, such as policy numbers and employer coverage.
  • Set your budget.
  • Ask your employer if it plans to offer health insurance coverage in 2015. If not, you may have to find insurance through the marketplace or other sources.

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