How Do I Apply?

Starting Nov. 15, you will be able to shop for plans, apply for coverage, and enroll in several ways: online at HealthCare.gov, by phone through the toll-free call center at (800) 318-2596, by mail, or in person. (See Where Can I Get Help Signing Up?)

There is just one application regardless of which health insurance plan you end up choosing. Once you submit the application, you will automatically find out if you qualify for breaks on the insurance premium, reduced out-of-pocket costs, or state health insurance programs. 

Enrollment at HealthCare.gov takes four steps:

  • Set up an account. You’ll provide some basic information to get started, like your name, address, and email address.
  • Fill out the online application. You’ll provide information about you and your family, like household income, household size, current health coverage information, and more.
  • Compare your options. You’ll be able to see all the options you qualify for, including private insurance plans, Medicaid, and the Children’s Health Insurance Program (CHIP), and any tax credits toward your monthly premiums or help with out-of-pocket costs on deductibles, copayments, or coinsurance. You’ll also see details about the costs and benefits of each option before you choose.
  • Enroll. After you choose a plan, you can enroll and decide how to pay your premiums to your insurance company. If you or a member of your family qualifies for Medicaid or CHIP, a representative will contact you to enroll. You can apply for Medicaid or CHIP at any time. 

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