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  • Newly insured? Get answers to your health coverage questions

    Now that you're enrolled in a health plan for 2021, you probably have questions about how to get the most out of your new coverage. We’re here to help, even after you enroll.

    Image: See tips on using your new Marketplace insurance

    Does my new plan cover my prescriptions?

    Your plan will help pay the cost of certain prescriptions. You may be able to buy other medications, but those on your plan’s list of covered drugs (formulary) will usually be less expensive. Visit your insurance company’s website (or call them directly), and review your Summary of Benefits and Coverage for a list of covered drugs.

    How can I find a doctor in my plan?

    Most health plans give you the best deal on services when you see a doctor who has a contract with your health plan. While you may be able to see doctors who don’t contract with your plan, visiting an "in-network" provider usually means you’ll have lower out-of-pocket costs. Learn how to find a doctor in your plan.

    How can I use my new coverage to improve my health?

    Now that you have health coverage, learn what you can do to stay healthy and get the care you need by reading From Coverage to Care: Roadmap to Better Care and a Healthier You (PDF, 698 KB). Here you’ll find tips on how to make and prepare for an appointment.

    Learn more about using your new Marketplace insurance.

  • Activate your 2021 health plan by paying your premium

    To activate your 2021 health insurance plan, pay your first premium directly to the insurance company (not the Marketplace). Your coverage won’t start until you make payment, so follow their instructions carefully. You may be able to pay online at HealthCare.gov.

    Image: How to pay your monthly premiums

    {% box %} Important: Continue to pay your monthly premiums to your health insurance company on time

    If you don’t, they could end your coverage. {% endbox %}

    How to pay your monthly premiums

    • Follow these instructions to pay online.
    • If your health insurance company doesn't accept online payment, they should have contacted you with next steps. Reach out to them if they haven’t.
    • If you aren’t sure you're enrolled, find out if your health insurance is active by checking your online Marketplace account.
    • If you think you're enrolled but have questions about your plan, check your plan materials.

    Learn more about completing your enrollment by paying your premium.

  • 2021 Open Enrollment is over. See if you can still get coverage

    The deadline for 2021 Marketplace insurance that starts January 1 has passed. If you missed it, you may still be able to get or change 2021 coverage 2 ways: with a Special Enrollment Period or through Medicaid or the Children's Health Insurance Program (CHIP).

    Image: Two ways to still get health coverage for 2021

    Through a Special Enrollment Period

    Through Medicaid or CHIP

    • Medicaid and CHIP provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities.
    • If you qualify, you can enroll right away. Select the second button, and answer a few questions to see if these options may be available to you.

  • Act now: The 2021 enrollment deadline is just days away

    This is the last call for 2021 Marketplace insurance that meets your needs and budget! Open Enrollment for 2021 Marketplace health plans ends Tuesday, December 15. There are just 5 days left to enroll in, re-enroll in, or change 2021 Marketplace coverage that starts January 1.

    Image: Last chance: Apply & enroll for 2021. Don’t miss out.

    Don’t delay: Apply & enroll for 2021

    • New to HealthCare.gov? Create an account to fill out an application for the first time.
    • Have 2020 Marketplace coverage? Log in to update your application, and compare plans and enroll for 2021. If you don’t, you could miss out on new plans, and your savings could be incorrect. This means you could end up paying more for your monthly premium or owing money on your federal taxes.

    Enrollment resources

  • Time is running out: Update, compare & enroll by Dec 15

    You have 2 weeks to enroll in Marketplace health insurance for 2021. If you enrolled for 2020, you have until December 15 to change or update your plan for 2021. If you don’t take action you may be automatically enrolled for 2021, but may miss out on new options.

    Image: Beat the clock: Enroll by Dec 15 today

    How to update & compare for 2021

    • Even if you want to keep the same plan for 2021, log in and update your application with any expected income and household changes for the year ahead. There may be new plans that better fit your situation.
    • Updating your information will also make sure your 2021 financial help is correct. Otherwise, you could wind up paying more for your monthly premium or owing money when you file your federal income taxes.
    • Once your information is updated, compare your current plan with other available options for 2021. These steps can help you be confident you have the right coverage for your household next year.

    Learn more about changing and renewing coverage for 2021.

  • This Thanksgiving, get peace of mind with 2021 health insurance

    This holiday season, gift yourself the peace of mind that comes with having health coverage. You have until Tuesday, December 15, 2020 to enroll in or change health insurance for 2021.

    Image: Gift yourself 2021 health insurance this holiday season

    Putting your health first in 2021

    • Get your recommended health screenings. You can use your Marketplace health coverage when you’re sick and when you’re well to help you live a healthy life.
    • All Marketplace plans cover a set of preventive services, like shots and screening tests, at no cost to you when delivered by a doctor in your plan’s network.
    • Marketplace plans also cover 10 essential health benefits, including emergency services; pregnancy, maternity and newborn care; and prescription drugs. See the full list of what Marketplace plans cover.

    Apply & enroll for 2021 today

  • Less than one month remains for 2021 health coverage that starts Jan 1

    Important: 2021 Open Enrollment ends Tuesday, December 15, 2020! You have less than one month to enroll in or change Marketplace health insurance for coverage that starts January 1, 2021. If you miss the deadline, you can only enroll in or change your health plan for 2021 if you qualify for a Special Enrollment Period.

    Image: Don’t delay. Enroll in a 2021 health plan today

    Don’t delay: Start an application

    Need help before you apply?

  • Will you save on a 2021 Marketplace health plan?

    Open Enrollment for 2021 health insurance ends Tuesday, December 15, 2020. Before you apply, you can get an idea of what your costs may be by answering a few quick questions. The results may surprise you!

    Image: See if you’ll save before you even log in!

    3 easy steps to see if you’ll save on 2021 Marketplace coverage

    See if your income is in the range to save by telling us:

    • The number of people in your household, even if they don’t need health coverage
    • Your state
    • Your 2021 household income estimate (use this calculator for help)

    Note: This is just an estimate. You’ll learn your exact savings when you fill out an application.

    Apply for exact savings

  • 3 reasons to enroll in 2021 health insurance today

    You have until Tuesday, December 15, 2020 to enroll in or change 2021 Marketplace health coverage that starts January 1, 2021. Enrolling at HealthCare.gov may be easier than you think. Here are 3 reasons to enroll today.

    Image: Don’t miss the December 15 deadline and enroll today

    Why enroll in or change 2021 health insurance

    Get started & apply

  • Open Enrollment is here! Enroll in 2021 coverage today!

    The 2021 Health Insurance Marketplace® is open for business! You have until December 15 to apply for new 2021 health insurance, or renew, change, or update your 2020 health plan for 2021. Coverage starts January 1, 2021.

    Image: Ready. Set. Start a 2021 application right now

    Important: If you miss the deadline, the only way you’ll be eligible to enroll in or change your health plan for 2021 is if you qualify for a Special Enrollment Period.

    How to start or update an application online

    • If you’re new to HealthCare.gov, create an account.
    • If you already have an account, just log in to start or update an application.
    • If you have questions or need help with your application, you can connect with someone on the phone. Call Center Representatives are available most days (except certain holidays) to support your enrollment needs.

    See other ways to apply.

  • 2021 Open Enrollment is just days away!

    Starting November 1, you can enroll in or renew a 2021 Marketplace plan. As you get ready to submit your application, here are a few important reminders:

    Image: Important Open Enrollment reminders

  • Preview 2021 plans & prices today!

    Before you enroll in or renew a 2021 plan starting November 1, you can preview 2021 plans with personalized price estimates. Important: This is just an estimate. You'll see exact prices when you submit an application.

    Image: See 2021 plans and price estimates

    See 2021 plans & prices

    Come back November 1 through December 15 to submit your application, choose a plan, and enroll.

  • Choosing a Marketplace plan that meets your household's needs

    Open Enrollment for 2021 coverage starts November 1. Plans have different premiums and out-of-pocket costs and may differ in the quality of service and benefits they provide. Knowing a few things before you apply can make the process for choosing a plan simpler.

    Image: Things to think about when picking a plan

    Things to think about when comparing Marketplace plans

    • There are 4 categories of health insurance plans: Bronze, Silver, Gold, and Platinum. These categories show how you and your plan share costs. Plan categories have nothing to do with quality of care.
    • HealthCare.gov offers health insurance plan quality ratings (or "star ratings"), that reflect member experience, medical care, and health plan administration. The ratings let you quickly compare plans based on quality.
    • When choosing a plan, it’s a good idea to think about your total health care costs. You pay a monthly bill to your insurance company (a "premium"), even if you don’t use medical services that month. You pay out-of-pocket costs, including a deductible, when you get care.
    • Some plan types allow you to use almost any doctor or health care facility. Other plans limit your choices or charge you more if you use providers outside their network.

    Learn more about choosing the health plan that right’s for your family.

  • 3 ways to get ready to apply for 2021 coverage

    With Open Enrollment for 2021 less than a month away, make sure you’re prepared. Whether you’re enrolling for the first or fifth time or planning to renew your current plan, taking small steps to get ready now can help the application process run smoothly when you apply for coverage starting November 1.

    Prepare for Open Enrollment with these quick tips

    3 quick & easy ways to get ready for Open Enrollment

    • Learn how the Marketplace works by reading these quick tips. If you come across an unfamiliar term, visit our glossary.
    • See if your income is in the range to get help with costs. Enter your household and expected income information, and we'll show you how much you may save. You'll know the exact amount you'll pay after you submit an application.
    • When you fill out your application, you'll be asked to predict your income. Marketplace savings are based on your expected household income for 2021, not 2020. See what counts as income so you’ll make an accurate estimate.

  • Open Enrollment is one month away!

    Mark your calendar: Open Enrollment for a 2021 Marketplace plan starts November 1, exactly one month from today.

    Open Enrollment for 2021 coverage starts November 1

    Other important Open Enrollment deadlines:

    • Open Enrollment runs from November 1 through December 15, 2020. Coverage starts January 1, 2021.
    • If you don’t enroll in a plan by December 15, you can only get 2021 Marketplace coverage if you qualify for a Special Enrollment Period.

    Here’s how you can get ready today to apply for 2021 coverage.

  • Sign up for Marketplace reminders & important info

    With Open Enrollment for 2021 coverage just over a month away, sign up today for deadline reminders and useful tips so you don’t miss out on late-breaking information.

    Image: Never miss an update from the Marketplace

    How to connect with the Marketplace

    • Get updates via email or text. Visit HealthCare.gov and enter your email address under "Get Important News & Updates." Click "Sign Up."
    • Connect with us on social media. Follow us on Twitter and like us on Facebook for news, interactive content, and important updates.
    • Find someone to help answer your enrollment questions. Enter your ZIP code for a list of groups and people in your area. Some offer help in languages other than English and other specialized services.

  • Get the flu shot this fall

    The Centers for Disease Control and Prevention (CDC) recommends everyone 6 months and older get a yearly flu shot by the end of October. By getting the shot, you’re helping to lower the spread of flu-related illnesses, hospitalizations, and even death.

    Image: Don’t delay! Get your flu shot today

    3 more reasons it’s important to get your flu shot:

    • With Marketplace health insurance, your flu shot is free from a provider in your plan's network. Immunization vaccines are a covered preventive care benefit.
    • While babies, children, and older people are most vulnerable, no one is immune from the flu.
    • Getting vaccinated is more important than ever. Getting the shot helps reduce illness and preserve health care resources as the country battles the coronavirus disease 2019 (COVID-19) emergency.

    According to the CDC, the flu vaccine doesn’t increase the risk of getting COVID-19. When you get your shot, try your best to maintain social distancing, avoid waiting areas, and always wear a mask.

  • Marketplace health benefits & coverage: What to know

    All plans offered in the Marketplace, cover a set of 10 essential health benefits, including ambulatory patient services, emergency care, and pregnancy, maternity, and newborn care.

    Image: See what’s covered by Marketplace insurance plans

    See the full list of covered essential health benefits. Specific services covered can vary based on your state’s requirements. Some plans may offer vision, dental, and medical management programs. When comparing plans, you’ll see exactly what each plan offers.

    Also covered: Preventive care & coverage for pre-existing conditions

    Marketplace plans cover a set of preventive services, like shots and screening tests, at no cost to you when delivered by a provider in your plan’s network.

    No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started, including pregnancy.

    Learn more about what Marketplace health insurance plans cover.

  • Life change? You may be eligible for health coverage for the rest of 2020

    If you recently lost health coverage, got married, had a baby, or experienced another life event, you may qualify for a Special Enrollment Period to enroll in or change Marketplace coverage for the rest of 2020.

    Image: 4 types of life events for Special Enrollment Period eligibility

    What counts as a life event?

    There are 4 basic types of qualifying life events:

    • Loss of health coverage, like losing your job-based or student health plan
    • Changes in household, like getting married or divorced, having a baby, or adopting a child
    • Changes in residence, like moving to a different ZIP code or state
    • Other changes that impact your income or status, like gaining membership in a federally recognized tribe

    How to apply with a Special Enrollment Period

    Learn more about applying for Marketplace coverage through a Special Enrollment Period.

  • When can I enroll in a 2021 Marketplace plan?

    Here are some important Open Enrollment dates for 2021 coverage to mark on your calendar:

    Image: Key 2021 Open Enrollment dates

    Key Open Enrollment dates

    • Open Enrollment runs from Sunday, November 1 through Tuesday, December 15, 2020. Coverage begins January 1, 2021.
    • If you don’t enroll in a plan by December 15, you can’t get 2021 coverage unless you qualify for a Special Enrollment Period.

    Looking for coverage for the rest of 2020? Answer these questions to see if you can apply through a Special Enrollment Period. You can also enroll in Medicaid or CHIP any time, if you’re eligible. Coverage can begin immediately.

  • Recently lose health coverage? You may qualify for a Special Enrollment Period

    You may qualify for a Special Enrollment Period to enroll in or change health plans if you or anyone in your household lost qualifying health coverage in the past 60 days or expects to lose it in the next 60 days.

    Image: Coverage losses that may qualify for a Special Enrollment Period

    Coverage losses that may qualify

    • Losing job-based coverage, like through your employer or the employer of a family member.
    • Losing individual health coverage for a plan or policy you bought yourself, like if your plan is discontinued or you lose eligibility for a student health plan.
    • Losing Medicaid or Children’s Health Insurance Program (CHIP) coverage, like if a change in household income makes you ineligible for Medicaid or your child ages off CHIP.
    • Losing Medicare eligibility, like if you’re no longer eligible for premium-free Medicare Part A.
    • Losing coverage through a family member, like if you turn 26 and can no longer be on a parent’s plan.

    Not sure your coverage loss counts? Answer a few questions to see if you qualify.

    Ready to apply through a Special Enrollment Period?

    Note: If you're not eligible to apply with a Special Enrollment Period for the rest of 2020, you can apply for a 2021 health plan Sunday, November 1 through Tuesday, December 15, 2020.

  • New baby means new health insurance options

    Congratulations on your new addition! If you recently had a baby or adopted a child, you may be eligible for a Special Enrollment Period. This means you can enroll in or change your Marketplace plan even though it’s not Open Enrollment. Your new coverage can start the day of the birth or adoption, even if you enroll in the plan up to 60 days afterward.

    Image: How to apply with a Special Enrollment Period after baby

    How to apply with a Special Enrollment Period

    Other life changes that may qualify

    • Having a baby isn’t the only life event that makes you eligible for a Special Enrollment Period. Coverage and income changes also count.
    • Answer a few questions about your life event to see if you may qualify.
    • You can also check out the full list of life events.

  • Report life changes year-round

    If you have Marketplace coverage and your income or household changes, update your application as soon as possible. These changes may affect the coverage or savings you’re eligible for.

    Image: See which changes to report & how to report them

    Which changes to report

    • Certain changes to your yearly expected income, household members, and status (like disability or tax filing status) may qualify you for a Special Enrollment Period so you can change plans outside the annual Open Enrollment Period.
    • Changes may affect the savings and coverage options you qualify for, so it’s important to report them right away.
    • If you don’t report changes, you could wind up getting the wrong amount of savings and owing money when you file your next tax return.

    How to report changes

    • Report changes to the Marketplace by updating your application.
    • You can update your application online, by phone, or in personbut not by mail.
    • After you finish, you may be asked to submit documents to confirm your changes.

    Learn more about reporting income and household changes after you're enrolled.

  • Moving may impact your health coverage

    Summer is a popular time for moving. Depending on whether you move to a different state, your move may impact your current health plan.

    Image: Reporting a move & your health coverage

    Moving to a different state

    • When you move to a new state, you can’t keep your current plan.
    • Report your out of state move to the Marketplace ASAP. This way, you can enroll in a new plan without a break in coverage, and you won’t pay for coverage that doesn’t apply in your new state.
    • When you move out of state, you’ll need to start a new Marketplace application and enroll in a plan in your new state.
    • Where to apply depends on whether your new state uses HealthCare.gov or its own website. Choose your new state to get started.

    Moving within the same state

    • Your coverage options and savings probably won’t change based on your new address.
    • You should still update your address on your application just in case new savings and plans are available to you.
    • See how to update your address online.

    Learn more about reporting a move to the Marketplace.

  • Use Marketplace coverage to improve your health

    Health coverage is important even when you don’t feel sick. No matter your health status, there are things you can do proactively to lead a healthier life.

    Image: Why prevention and health coverage are important

    Why are prevention and health coverage important?

    • Staying healthy is important for you and your family. Taking small steps, like eating a well-balanced diet, making time for physical activity, and getting enough sleep, will improve your lifestyle at home, work, and in the community.
    • Preventive services, like screenings, check-ups, and patient counseling, can help prevent illnesses, disease, and other health problems. They can also detect illness at an early stage when treatment is likely to work best.
    • Ask your provider which services are most beneficial to you. Preventive services are free when delivered by a doctor or other provider in your plan’s network.

    Learn more about using your coverage.

  • Calling all graduates: You have health insurance options

    Graduation is an important milestone. As you embark on the next phase of your life, it’s also important to have health insurance to protect you from unexpected medical costs.

    Image: Affordable health coverage for college grads

    Why bother with health insurance

    • Nobody plans to get sick or hurt, but bad things happen, even to healthy, young people. Treating a broken leg can cost $7,500, and a 3-day hospital stay can total $30,000. That’s a lot of money, especially when you’re just starting out!
    • Applying for Marketplace coverage may be faster and easier than you think. With one application, you’ll find out if you’re eligible for a health plan with savings based on your income. You may qualify for free or low-cost coverage through Medicaid.
    • Note: If someone claims you as a tax dependent, you can buy a plan through the Marketplace, but you won't qualify for savings based on your income.

    How to get affordable health coverage

    If you’re under 30, you can get health coverage a few different ways, some designed specifically for you.

    • If you’re under 26, you may be able to enroll on a parent’s health insurance plan.
    • You can buy your own Marketplace plan at HealthCare.gov. Depending on your situation, you may be eligible for savings based on your income.
      • If your student health plan is ending, you’re moving to a new state, or you experience other life changes, you may qualify for a Special Enrollment Period to enroll in Marketplace insurance for the rest of 2020.
      • This means you don’t have to wait until the next Open Enrollment Period this fall to apply for 2021 coverage.
      • See if you're eligible to apply right away.

    Get more information on health insurance options for young adults.

  • Understanding regular vs. emergency health care

    It’s almost always best to get routine care and recommended preventive services from a primary care provider. There are big differences between visits to your primary care provider and emergency care.

    Image: Primary care vs. emergency care

    When to see your primary care provider

    • You’ll see your primary care provider both when you’re sick and when you’re well for regular care. They’ll get to know you and help track your health over time.
    • You can get primary care providers in doctors’ offices, clinics, and health centers nationwide.
    • Before you schedule your first appointment, contact your health plan to see how much you’ll have to pay for a primary care visit. The copayment for your visit may cost you between $0 and $50.

    When to seek emergency care

    • You should go to the emergency room only when you’re injured or very sick. You may wait several hours before you’re seen, and you’ll likely pay a larger copayment, co-insurance and have to meet your deductible before your health plan helps pay your costs.
    • Providers in the emergency room probably won’t have access to your health records.
    • Always in a life-threatening or emergency situation, call 9-1-1.

    See other differences between regular and emergency care.

  • Marketplace coverage & prescriptions: What you need to know

    All Marketplace plans cover prescription drugs. Fill any prescriptions you got from your doctor and take them as directed. Here are 3 things to know about filling prescriptions:

    Image: 3 things to know about filling drugs

    • You may have a prescription copayment. A copayment is the amount you owe for each prescription you fill. Copayments are usually between $0 and $50, depending on your insurance plan.
    • Check with your insurance company to see if you need preauthorization (also called “prior approval”). Your health plan may require preauthorization for certain drugs, unless it’s an emergency.
    • Different health plans allow you to get your medications from different pharmacies (called “in-network pharmacies”). Call your insurer, or visit their website to find out which pharmacies are in their network.

    Get more information on prescriptions and what to do when your drug isn’t covered.

  • Sending documents to confirm Special Enrollment Period eligibility

    If you applied for 2020 Marketplace coverage through a Special Enrollment Period, you may be asked to provide documents to confirm the life events that make you eligible. You must send them before you can start using your coverage.

    Image: {How to confirm Special Enrollment Period eligibility}

    You’ll learn if you have to provide documents after you submit your application. It’s best to pick a plan first and submit your documents afterwards. After you pick a plan, you usually have 30 days to send the documents.

    Documents & deadlines for your life event

    • The documents you can submit vary based on your life event.
    • Select your life event for the documents you can submit and key dates.

    How to submit documents

    • Provide the required documents as soon as possible after you pick a plan.
    • Doing so will prevent a delay in your coverage starting.
    • You can submit them online or copies by mail. Follow these steps.
    • After you submit them, you’ll get a letter or notice in your HealthCare.gov account within a couple of weeks saying if your Special Enrollment Period has been confirmed.

    Learn more about when the Marketplace needs documents to confirm a Special Enrollment Period.

  • Simple ways to use Marketplace coverage to improve your health

    Now that you have Marketplace health coverage, learn what you can do to stay healthy and get the care you need:

    Image: {Tips for staying healthy and getting proper care}

    Tips for staying healthy

    • Make time for physical activity, healthy eating, relaxation, and sleep.
    • Get the preventive services that are right for you.
    • Don’t forget to schedule follow-up visits. Ask your provider to notify you in advance when recommended health screenings should occur.
    • If you have questions or concerns between visits, just call your provider. It’s their job to help answer questions you have about your health.

    Tips for getting proper care

    • You can get health care many different places, including the emergency department. But it’s best to get routine care and recommended preventive services from a primary care provider. They’ll work with you to ensure you get the right services, manage chronic conditions, and improve your general health and well-being.
    • Generally, you can find primary care providers in offices, clinics, and health centers.
    • Not all types of providers and facilities take all insurance plans or types of coverage. Before you make an appointment, call the office to make sure they accept your coverage.

    Read the From Coverage to Care: Roadmap to Better Care and a Healthier You (PDF, 698 KB) for tips and information on putting your health first, knowing where to go for care, and preparing for appointments.

  • 5 things to know about tax Form 1095-A

    If anyone in your household had Marketplace health insurance in 2019, you should have already received Form 1095-A, Health Insurance Marketplace® Statement, in the mail. Here are 5 important things to know about this form.

    Image: {Helpful tips about tax Form 1095-A}

    Helpful tips about tax Form 1095-A:

    • You should already have Form 1095-A. It comes from the Marketplace, not the IRS. If your form didn’t come by mail or you can’t find it, check your online Marketplace account before contacting the Marketplace Call Center.
    • Store it in a safe space with other important tax information, like W-2 forms. This way, you can easily find it when you sit down to file.
    • Before doing anything with the form, make sure it’s accurate. Check basic coverage and household member information, and confirm the premium for your second lowest cost Silver plan (SLCSP). Contact the Marketplace Call Center to report any errors.
    • If you request a new, updated form, it’s important that you don’t file until we send you the correct version. If you already filed, you may need to file an amended return using the information from your new 1095-A.
    • You’ll use the information from your 1095-A to “reconcile” your premium tax credit. To do this, you’ll compare the amount of premium tax credit you used in advance during the year against the premium tax credit you actually qualify for based on your final income for the year. Any difference will affect your refund or tax owed. See a step-by-step guide to “reconciling” your premium tax credit.

  • 3 things to know about coronavirus disease and your Marketplace coverage

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    You may be hearing about the coronavirus disease 2019 (COVID-19) in the news. Currently, the rules in your Marketplace health plan for treatment for COVID-19, remain the same as for the treatment of any other viral infection. Check with your health insurance company for their specific benefits and coverage policy. Here are some other things to know about how your Marketplace health plan works when it comes to COVID-19:

    Image: {3 things to know about coronavirus disease and your Marketplace coverage}

    Understanding your coverage

    • Lab and other services: Individual and small group market issuers are generally required to include laboratory services as a category of Essential Health Benefits. Coverage for a specific diagnostic or laboratory service can vary by plan, so check with your health insurance company about their coverage for lab tests and related services for diagnosis and treatment of COVID-19. This is also true for your health plan’s coverage for physician and hospital services related to the diagnosis and treatment of COVID-19.
    • Telehealth: Telehealth services or home health visits may already be covered by many health insurance companies. You should check with your health insurance company to determine whether these services are covered and what you’ll pay.
    • Enrolling in coverage: If you aren’t currently enrolled in coverage, you can see if you qualify for a Special Enrollment Period. As a reminder, federal law and regulations provide protections against pre-existing condition exclusions in health insurance coverage. If you are eligible, health plans must permit you to enroll regardless of health status, age, gender, or other factors that might predict the use of health services. Marketplace plans can’t terminate coverage due to a change in health status, including diagnosis or treatment of COVID-19.

    For more information about COVID-19, please visit: coronavirus.gov

  • Tips for “reconciling” your premium tax credit on 2019 taxes

    You have until April 15, 2020 to file your 2019 federal income tax return. If you had a Marketplace plan in 2019 and used advance payments of the premium tax credit (APTC) to lower your monthly payment, you’ll have to "reconcile" your tax return.

    Image: {How to "reconcile" your premium tax credit}

    Through “reconciling,” you’ll find out if there's any difference between the premium tax credit you used and the amount you qualify for. Any difference between the two figures will affect your refund or tax owed.

    How to "reconcile" your premium tax credit on 2019 taxes:

    1. Find your Form 1095-A, and verify its accuracy. If you didn’t get one, check your online Marketplace account. If it’s not there, try the Call Center. See how to be sure the information is correct.
    2. Print Form 8962 (PDF, 112 KB) and instructions (PDF, 356 KB).
    3. Use the information from your 1095-A form to complete Part II of Form 8962. Refer to this table as a guide.

    Get more information on 2019 health coverage and your federal taxes.

  • Recent life change? You may qualify for a Special Enrollment Period

    Now that Open Enrollment is over, you can enroll in or change Marketplace coverage only if you have a life event, like getting married, having a baby, or losing health coverage, that qualifies you for a Special Enrollment Period.

    What are the qualifying life events for Special Enrollment Period eligibility?

    Does my life event make me eligible for a Special Enrollment Period?

    There are 4 basic types of qualifying life events:

    • Loss of health coverage: Losing job-based coverage (whether through yourself or a family member) or eligibility for Medicaid, Medicare, or the Children’s Health Insurance Program (CHIP)
    • Household changes: Marriage, child birth or adoption, divorce, or death
    • Residence changes: Certain household moves, like moving to a new ZIP code or county
    • Other qualifying events (like income changes): Changes that make you no longer eligible for Medicaid or the Children’s Health Insurance Program (CHIP), leaving incarceration, etc.

    See the full list of life events.

    How do I apply for 2020 coverage through a Special Enrollment Period?

    • If you qualify for a Special Enrollment Period, create an account or log into an existing one to enroll in a plan for 2020.
    • You may be asked to submit documents to confirm the life event that makes you eligible.

    Not sure your life event counts as a Special Enrollment Period? Just answer a few quick questions to find out.

  • 3 routine ways to use your 2020 Marketplace coverage

    Health coverage pays for provider services, prescriptions, hospital care, and special equipment when you're sick. It's also important when you're not sick. Now that you're enrolled in a health plan for 2020, here's how you can use your new coverage throughout the year no matter your situation.

    Woman holding sign that reads "Tips"

    Understanding & using your new coverage

    • Preventive health: Most coverage includes immunizations for children and adults, annual visits for women and seniors, obesity screening and counseling for people of all ages, and more for free.
    • Prescriptions: Health plans will help pay the cost of certain prescriptions. You may be able to buy other medications, but those on your plan's "formulary" (approved list) usually will be less expensive. To find out which prescriptions are covered through your new Marketplace plan, visit your insurer's website, call them directly, or check your Summary of Benefits and Coverage.
    • Regular & emergency care: Most health plans give you the best deal on services when you see a doctor who has a contract with your health plan. While you may be able to see doctors who don’t contract with your plan, visiting an "in-network" provider usually means you'll have lower out-of-pocket costs. But in an emergency, get care from the closest hospital that can help you.

    Learn more about using your insurance coverage.

  • 2019 tax season is here! Here’s how to prepare

    Attention: 2019 tax filing season has started. Here’s what you can do now to get ready.

    2019 tax forms

    3 steps to get ready for 2019 tax filing:

    1. Look for Form 1095-A.

      • If you or anyone in your household had a 2019 Marketplace plan, you’ll get Form 1095-A, Health Insurance Marketplace® Statement in the mail by early February. It comes from the Marketplace, not the IRS.
      • It may also be available online in your HealthCare.gov account.
    2. Check Form 1095-A for accuracy.

      • You’ll use Form 1095-A to "reconcile" your premium tax credit if you used advanced payments of the premium tax credit to lower your monthly premium payment, so it’s important the information on it is correct. If you file with an incorrect version, you may need to file an amended return later.
      • Confirm things like your coverage and household information, monthly enrollment premium, and “second lowest cost Silver Plan” (SLCSP).
      • If you find errors, contact the Marketplace Call Center. We’ll send you an updated copy. Wait to file until you have it.
    3. Use your correct 1095-A to “reconcile.”

      • Now that you have an accurate 1095-A and second lowest cost Silver plan premium, you’re ready to fill out Form 8962, Premium Tax Credit.
      • See this step-by-step guide to reconciling for next steps.

  • Take advantage of free preventive services in 2020

    With Marketplace coverage, you have access to free preventive services, like flu shots, check-ups, and screening tests. Getting these recommended services is an important step toward good health and well-being.

    Image: {Magnifying glass over doctor's order}

    What are preventive services?

    • Preventive services are routine health care procedures, like screenings, check-ups, and counseling to prevent illnesses, disease, and other health problems.
    • Taking advantage of these free services can help detect illness early, when treatment is likely to work best, so talk to your provider about what’s right for you.
    • Note: Preventive services are free only when provided by a doctor or other provider in your plan’s network. (A network is the facilities, providers, and suppliers your health insurer has contracted with to provide health care services. Contact your insurance company to see which providers are “in-network.”)

    Where can I learn more?

  • Now that you’re covered for 2020, don’t forget to pay your premium

    Congratulations on your enrollment in a 2020 Marketplace plan! Now that you’re covered, don’t forget to pay your monthly premium to your health insurance company (not the Marketplace) to activate your coverage. Your coverage won’t start until you do.

    Image: {Cartooned calculator and money stack}

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    If you don’t, your insurance company could end your coverage.{% endbox %}

    Can I pay my premium online?

    It depends. Each insurance company handles premium payments differently, so follow your plan’s instructions carefully. If you have the option to pay online, follow these steps:

    1. Log into your Marketplace account.
    2. Choose your application under "Your Existing Applications."
    3. Click the blue button "Pay Your First Health Insurance Monthly Premium."
    4. Choose the green button "Pay for Health Plan Now" to go to your insurance company’s website to pay.

    Not sure you’ve paid?

    • Find out if your health insurance is active by checking your online Marketplace account.
    • If you think you're enrolled but have questions about your plan, contact your insurance company. You can also check your plan materials. Your plan should send you a membership package with enrollment materials and a health insurance card.

  • 2020 Open Enrollment is over, but you may have options

    Marketplace Open Enrollment for 2020 coverage ended December 15. If you missed the deadline, you may still be able to get or change 2020 coverage two ways:

    Image: {Woman carrying moving boxes qualifies for Special Enrollment Period}

    With a Special Enrollment Period

    • Since the 2020 Open Enrollment Period is over, you can now enroll in or change a Health Insurance Marketplace® plan only if you have a life event that qualifies you for a Special Enrollment Period.
    • A change in your situation, like getting married, having a baby, or losing health coverage, may make you eligible.
    • Answer a few questions to see if you may qualify.

    Through Medicaid or the Children’s Health Insurance Program (CHIP)

    • Medicaid and CHIP provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities.
    • You can apply for either program any time, all year. If you qualify, you can enroll immediately.
    • Select the second button and answer a few questions to see if you may qualify.

    Learn more about your health insurance options outside Open Enrollment.

  • Last chance: The 2020 Open Enrollment deadline is days away!

    Time’s running out for 2020 Marketplace insurance! Open Enrollment for 2020 Marketplace insurance ends Sunday, December 15. This means you have only 3 days to enroll in, re-enroll in, or change a 2020 Marketplace plan.

    Image: {Countdown clock for Open Enrollment deadline}

    Act now for coverage that starts January 1

    • First time applying at HealthCare.gov? Create an account.
    • Have 2019 Marketplace coverage? Log in to update your application and compare plans for 2020. If you don’t, you could miss out on new plans, and any savings could be wrong. This means you could end up paying more for your monthly premium or owing money on your federal taxes.

    Need enrollment help?

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