Need to apply for health insurance?

Here’s what you need to know about the Health Insurance Marketplace®, especially if this is your first time applying for insurance on

1. 2023 Open Enrollment runs from November 1 through January 15, 2023

  • Coverage can start as soon as January 1, 2023, if you enroll by December 15, 2022.
  • After January 15, you can enroll in 2023 health insurance only if you qualify for a Special Enrollment Period.
  • You only qualify for a Special Enrollment Period due to a recent life event, such as losing other coverage, moving, getting married, or having a baby.
  • You can get health coverage after January 15th if you qualify for Medicaid, the Children’s Health Insurance Program (CHIP), or a new Special Enrollment Period based on estimated household income.

2. The Marketplace is for people who don’t have health coverage

If you don’t have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source that provides qualifying health coverage, the Marketplace can help you get coverage.

  • If you have job-based insurance: You can buy a plan through the Marketplace, but you’ll pay full price unless your employer’s insurance doesn’t meet certain standards. Most job-based plans do meet the standards.
  • If you have Medicare: You can’t switch to Marketplace insurance, supplement your coverage with a Marketplace plan, or buy a Marketplace dental plan. Learn about Medicare and the Marketplace.

3. What you pay for insurance depends on your income

Your savings depend on your expected household income for the year. Get a quick idea if you’ll save. Based on your income estimate, you may qualify for:

A health insurance plan with savings based on your income

  • You may qualify for a premium tax credit that lowers your monthly insurance bill, and for extra savings on out-of-pocket costs like deductibles and copayments.
  • The plans are offered by private insurance companies with a range of prices and features.

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

4. You can apply for coverage several ways

Starting November 1, you can apply any way that works for you:

  • Online
  • By phone
  • With the help of someone in your community
  • Through an agent/ broker
  • Through certified enrollment partner websites
  • With a paper application
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