Marketplace health insurance, with the savings you qualify for.

How the subsidy works

The Marketplace estimates your household income for the coming year and caps what you pay for a benchmark plan at a percentage of that income. The government pays the rest directly to the insurance company each month. Your income and household size decide the amount, not your health.

For example, a family of four earning around $60,000 might see the monthly price of a mid-level plan drop by several hundred dollars. Lower incomes can also unlock cost-sharing reductions, which shrink deductibles and copays on Silver plans.

What you will need

• An estimate of next year's household income
• Dates of birth and Social Security numbers for everyone enrolling
• Your immigration document numbers if you are not a U.S. citizen
• A list of your doctors and prescriptions, so we can check the network

When you can enroll

Open Enrollment runs November 1 through January 15. Enroll by December 15 for coverage starting January 1.

Outside of that, a life event opens a 60-day Special Enrollment Period. Common triggers:

• Losing coverage from a job, COBRA, Medicaid or a parent's plan
• Moving to a new ZIP code or state
• Getting married, having a baby or adopting
• A change in immigration status or gaining lawful presence
• Release from incarceration
• Household income under 150% of the federal poverty level, which allows monthly enrollment in most states

Not sure whether you qualify? Text us the situation and we will tell you within business hours.