www.healthcare.gov Open in urlscan Pro
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URL: https://www.healthcare.gov/get-answers/?utm_content=english&utm_medium=email&utm_source=govdelivery
Submission: On February 10 via api from DE — Scanned from DE

Form analysis 5 forms found in the DOM

Name: gsearchGET /search

<form role="search" class="gsearch" name="gsearch" method="get" action="/search">
  <div class="question">
    <input aria-label="Site Search" autocomplete="off" class="mobile-search form-control appearance" id="mobile-search" name="q" placeholder="Search" title="Enter text to search" type="text">
    <button class="btn btn-search" value="search"> Search </button>
  </div>
</form>

Name: gsearchGET /search

<form role="search" class="gsearch" name="gsearch" method="get" action="/search">
  <div class="input-group">
    <input aria-label="Site Search" autocomplete="off" type="text" id="input-main-nav-search" class="form-control" title="Enter text to search" name="q">
    <span class="input-group-btn">
      <button class="btn btn-default submit" type="submit">
        <span class="visible-lg" style="text-transform: capitalize;">Search</span><span class="glyphicons search hidden-lg" aria-label="search button"></span></button>
    </span>
  </div>
</form>

<form class="group" id="subscribe-form-modal"><input id="key" type="hidden" name="a" value="1">
  <div class="modal-dialog modal-lg">
    <div class="modal-content">
      <div class="modal-header">
        <button type="button" class="close" data-dismiss="modal" aria-hidden="true"> × </button>
        <h1 title="Sign up for updates &amp; reminders from HealthCare.gov modal window" id="modal-nams"> Sign up for updates &amp; reminders from HealthCare.gov </h1>
      </div>
      <div class="modal-body">
        <div class="forms screen" id="screen1">
          <div class="subscribe-type group">
            <p>Subscribe to get email (or text) updates with important deadline reminders, useful tips, and other information about your health insurance.</p>
            <div class="error-msg row hide" aria-hidden="true" role="alert">
              <div class="col-md-12">
                <h2 id="error-title" tabindex="0">Your information contains <span class="errorNumber"></span> error(s):</h2>
                <a class="invalid-state hide error-text-box" aria-hidden="true" onclick="document.getElementById('modal-state-dropdown').focus(); return false;" href="#">Please choose a state.</a>
                <a class="invalid-email hide error-text-box" aria-hidden="true" onclick="document.getElementById('address-modal').focus(); return false;" href="#">Sorry, that email address is invalid.</a>
                <a class="invalid-number hide error-text-box" aria-hidden="true" onclick="document.getElementById('number-modal').focus(); return false;" href="#">Sorry, that mobile phone number is invalid.</a>
                <a class="blank-email hide error-text-box" aria-hidden="true" onclick="document.getElementById('address-modal').focus(); return false;" href="#">You need to provide either your email address or mobile phone number.</a>
                <a class="blank-number hide error-text-box" aria-hidden="true" onclick="document.getElementById('number-modal').focus(); return false;" href="#">You need to provide either your email address or mobile phone number.</a>
                <a class="invalid-checkbox hide error-text-box" aria-hidden="true" onclick="document.getElementById('check1').focus(); return false;" href="#">Please select a topic.</a>
                <a class="blank-campaign hide error-text-box" aria-hidden="true" onclick="document.getElementById('address-modal').focus(); return false;" href="#">Please enter your email address.</a>
              </div>
            </div>
            <div class="clearfix spacer-bottom20"></div>
            <label for="modal-state-dropdown">Pick your state</label>
            <!-- State Select input -->
            <div class="form-select">
              <select class="form-control state subscribe-state" id="modal-state-dropdown" name="q_23536" required="">
                <option disabled="" selected="" value="state">Select a state</option>
                <option value="58659">Alabama</option>
                <option value="58660">Alaska</option>
                <option value="58661">Arizona</option>
                <option value="58662">Arkansas</option>
                <option value="58663">California</option>
                <option value="58664">Colorado</option>
                <option value="58665">Connecticut</option>
                <option value="58666">Delaware</option>
                <option value="58667">District of Columbia</option>
                <option value="58668">Florida</option>
                <option value="58669">Georgia</option>
                <option value="58670">Hawaii</option>
                <option value="58671">Idaho</option>
                <option value="58672">Illinois</option>
                <option value="58673">Indiana</option>
                <option value="58674">Iowa</option>
                <option value="58675">Kansas</option>
                <option value="58676">Kentucky</option>
                <option value="58677">Louisiana</option>
                <option value="58678">Maine</option>
                <option value="58679">Maryland</option>
                <option value="58680">Massachusetts</option>
                <option value="58681">Michigan</option>
                <option value="58682">Minnesota</option>
                <option value="58683">Mississippi</option>
                <option value="58684">Missouri</option>
                <option value="58685">Montana</option>
                <option value="58686">Nebraska</option>
                <option value="58687">Nevada</option>
                <option value="58688">New Hampshire</option>
                <option value="58689">New Jersey</option>
                <option value="58690">New Mexico</option>
                <option value="58691">New York</option>
                <option value="58692">North Carolina</option>
                <option value="58693">North Dakota</option>
                <option value="58694">Ohio</option>
                <option value="58695">Oklahoma</option>
                <option value="58696">Oregon</option>
                <option value="58697">Pennsylvania</option>
                <option value="58698">Rhode Island</option>
                <option value="58699">South Carolina</option>
                <option value="58700">South Dakota</option>
                <option value="58701">Tennessee</option>
                <option value="58702">Texas</option>
                <option value="58703">Utah</option>
                <option value="58704">Vermont</option>
                <option value="58705">Virginia</option>
                <option value="58706">Washington</option>
                <option value="58707">West Virginia</option>
                <option value="58708">Wisconsin</option>
                <option value="58709">Wyoming</option>
                <option value="58710">American Samoa</option>
                <option value="58711">Guam</option>
                <option value="58712">Northern Mariana Islands</option>
                <option value="58713">Puerto Rico</option>
                <option value="58714">Virgin Islands</option>
              </select>
              <span class="caret"></span>
              <p id="invalid-state-id" class="invalid-state hide error-text" aria-hidden="true" tabindex="-1"> Please choose a state. </p>
            </div>
            <div class="row">
              <div class="col-sm-6">
                <div class="spacer-bottom20"></div>
                <!-- Left column div on modal view -->
                <label for="address-modal">Get email updates</label>
                <!-- Email text input -->
                <input class="form-control subscribe-email" placeholder="Enter email address" id="address-modal" name="e" type="email" optional="" value="">
                <p id="invalid-email-id" class="invalid-email hide error-text" aria-hidden="true" tabindex="-1"> Sorry, that email address is invalid. </p>
                <p id="blank-email-id" class="blank-email hide error-text" aria-hidden="true" tabindex="-1"> You need to provide either your email address or mobile phone number. </p>
                <div class="spacer-bottom40"></div>
              </div>
              <!-- Close Left column div on modal view -->
              <div class="col-sm-6">
                <!-- Right column div on modal view -->
                <div class="clearfix spacer-bottom20"></div>
                <label for="number-modal">Get text message updates (optional)</label>
                <!-- Number text input -->
                <input class="form-control subscribe-number" title="Phone Number" placeholder="Enter mobile phone number" id="number-modal" name="w" type="tel">
                <p id="invalid-number-id" class="invalid-number hide error-text" aria-hidden="true" tabindex="-1"> Sorry, that mobile phone number is invalid. </p>
                <p id="blank-number-id" class="blank-number hide error-text" aria-hidden="true" tabindex="-1"> You need to provide either your email address or mobile phone number. </p>
                <p class="subscribe-number-sms-compliance"> Text STOP to cancel. Text HELP for help. You may get up to 3 messages a week. Message and data rates may apply. </p>
                <div class="spacer-bottom40"></div>
              </div>
            </div>
          </div>
        </div>
        <!-- Topics screen -->
        <div id="screen3" class="hidden">
          <fieldset class="sub">
            <legend class="sr-only">What would you like to get updates about?</legend>
            <div class="error-msg row hide" aria-hidden="true">
              <div class="col-md-12">
                <h2 id="error-title-screen2" role="alert" tabindex="0">Your information contains <span class="errorNumber"></span> error(s):</h2>
                <a class="invalid-checkbox hide error-text-box" aria-hidden="true" role="alert" onclick="document.getElementById('check1').focus(); return false;" href="#">Please select a topic.</a>
              </div>
            </div>
            <div class="checkbox">
              <label>
                <input type="checkbox" id="check1" name="t[]" value="USCMSHIM_19">Health insurance for individuals &amp; families</label>
            </div>
            <div class="checkbox">
              <label>
                <input type="checkbox" id="check2" name="t[]" value="USCMSHIM_20">Health insurance for small businesses</label>
            </div>
            <div class="checkbox">
              <label>
                <input type="checkbox" id="check3" name="t[]" value="USCMSHIM_2">News &amp; information from the HealthCare.gov blog</label>
            </div>
          </fieldset>
          <p class="invalid-checkbox hide error-text" aria-hidden="true"> Please select a topic. </p>
        </div>
        <!--complete-->
        <div class="complete screen hidden" id="screen2">
          <p>Now that you’re signed up, we’ll send you deadline reminders, plus tips about how to get enrolled, stay enrolled, and get the most from your health insurance.</p>
          <p></p>
        </div>
      </div>
      <div class="modal-footer flex">
        <a class="privacy pull-left flex-privacy mobile-2" href="/privacy">Privacy policy</a>
        <span
          class="wireless-terms mobile-1"><a href="https://granicus.com/wireless/healthcare/" rel="external" target="_blank">Wireless Terms &amp; Conditions</a><a href="https://www.healthcare.gov/links-to-other-sites/" target="_blank" class="external-link"><img src="/images/external-link-icon.png" alt="This link takes you to a website not operated by the federal government. The site may have different privacy and security policies."></a></span>
        <!-- continue button -->
        <input title="CONTINUE" class="ds-u-margin-sm-left--0 ds-u-margin-md-left--4 btn btn-md btn-green continue pull-right mobile-3" type="submit" value="SIGN UP">
        <!-- Submit button -->
        <input title="CONTINUE" class="btn btn-md btn-green col-sm-3 pull-right valid modal-submit mobile-3" type="submit" value="CONTINUE" style="display: none;">
        <a href="/" class="btn btn-md btn-green next col-sm-3 pull-right valid" style="display: none;">CLOSE</a>
      </div>
    </div>
  </div>
</form>

<form novalidate="">
  <div id="prefix-overlay-label">Get email updates</div>
  <input placeholder="Email Address" name="e" type="email" required="" id="prefix-emailInput" aria-labelledby="prefix-overlay-label" title="Email Address">
  <div id="prefix-questions"><select name="q_23536" class="prefix-questionId" id="q_23536">
      <option value="" selected="" disabled="">Select a state</option>
      <option value="58659">Alabama</option>
      <option value="58660">Alaska</option>
      <option value="58661">Arizona</option>
      <option value="58662">Arkansas</option>
      <option value="58663">California</option>
      <option value="58664">Colorado</option>
      <option value="58665">Connecticut</option>
      <option value="58666">Delaware</option>
      <option value="58667">District of Columbia</option>
      <option value="58668">Florida</option>
      <option value="58669">Georgia</option>
      <option value="58670">Hawaii</option>
      <option value="58671">Idaho</option>
      <option value="58672">Illinois</option>
      <option value="58673">Indiana</option>
      <option value="58674">Iowa</option>
      <option value="58675">Kansas</option>
      <option value="58676">Kentucky</option>
      <option value="58677">Louisiana</option>
      <option value="58678">Maine</option>
      <option value="58679">Maryland</option>
      <option value="58680">Massachusetts</option>
      <option value="58681">Michigan</option>
      <option value="58682">Minnesota</option>
      <option value="58683">Mississippi</option>
      <option value="58684">Missouri</option>
      <option value="58685">Montana</option>
      <option value="58686">Nebraska</option>
      <option value="58687">Nevada</option>
      <option value="58688">New Hampshire</option>
      <option value="58689">New Jersey</option>
      <option value="58690">New Mexico</option>
      <option value="58691">New York</option>
      <option value="58692">North Carolina</option>
      <option value="58693">North Dakota</option>
      <option value="58694">Ohio</option>
      <option value="58695">Oklahoma</option>
      <option value="58696">Oregon</option>
      <option value="58697">Pennsylvania</option>
      <option value="58698">Rhode Island</option>
      <option value="58699">South Carolina</option>
      <option value="58700">South Dakota</option>
      <option value="58701">Tennessee</option>
      <option value="58702">Texas</option>
      <option value="58703">Utah</option>
      <option value="58704">Vermont</option>
      <option value="58705">Virginia</option>
      <option value="58706">Washington</option>
      <option value="58707">West Virginia</option>
      <option value="58708">Wisconsin</option>
      <option value="58709">Wyoming</option>
      <option value="58710">American Samoa</option>
      <option value="58711">Guam</option>
      <option value="58712">Northern Mariana Islands</option>
      <option value="58713">Puerto Rico</option>
      <option value="58714">Virgin Islands</option>
    </select></div>
  <div id="prefix-state-label"><label for="q_23536">Select a state</label></div>
  <input type="submit" value="Start here" id="prefix-submitButton">
  <div id="prefix-consent-outer">
    <input name="consent" type="checkbox" id="prefix-consentPolicyInput">
    <label for="prefix-consentPolicyInput" id="prefix-consentPolicyLabel">By checking this box, you consent to our <a href="https://www.healthcare.gov/privacy/" target="_blank" rel="noopener noreferrer">data privacy policy</a>.</label>
  </div>
</form>

<form id="prefix-formStepForm"><label for="prefix-smsInput">Enter mobile phone number</label><input name="sms" type="tel" id="prefix-smsInput" placeholder="Enter mobile phone number" tabindex="-1">
  <div id="prefix-zip-label"><label for="prefix-q_23557">ZIP code</label></div>
  <div id="prefix-questions"><input class="prefix-questionId2" name="q_23557" id="prefix-q_23557" type="text" value="ZIP code" onfocus="clearField(this);" tabindex="-1"></div>
  <input type="submit" value="Continue" id="prefix-formStep-submitButton" tabindex="-1">
</form>

Text Content

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Search
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Back
 * Enroll in health insurance
    * Check if you qualify for a Special Enrollment Period
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    * Marketplace tips
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    * How to apply and enroll
    * Picking a plan

 * Change or cancel plans
    * Check if you can change plans
    * Report income/family changes
    * Cancel a plan

 * Saving money
    * New, lower costs available
    * Find out if you'll save
    * Save on your premiums
    * Cost-sharing reductions
    * High Deductible Health Plans

 * How to...
    * Use your coverage
    * Estimate income
    * Find local help
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    * Submit requested documents
    * Appeal a Marketplace decision
    * Confirm your Special Enrollment Period
    * Pay premium & check coverage status

 * More details if you...
    * Just had a baby or adopted
    * Are under 30
    * Have/offered job-based insurance
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    * Qualify for Medicare

 * Taxes
    * Health care & taxes
    * Form 1095-A
    * 'Reconcile' tax credit

 * Browse all topics >

Back
 * SHOP coverage
    * Why use the SHOP Marketplace?
    * Verify your eligibility for SHOP
    * Small Business Health Insurance Tax Credit
    * How to work with an agent or broker
    * Insurance for multiple locations & businesses
    * Minimum participation rates
    * Appeal a SHOP Marketplace decision
    * Additional resources for employers

 * SHOP Resources & Tools
    * Tools & calculators
    * See SHOP plans & prices
    * Tax credit estimator
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 * SHOP for Agents & Brokers
    * How to register with SHOP
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 * Other Information for Businesses
    * Exploring coverage options for businesses
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    * Learn more about QSEHRAs
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    * How the ACA affects small businesses

 * Browse All Topics >

Get Coverage Keep or Update Your Plan
See TopicsHas subitems

Enroll in health insurance

 * Check if you qualify for a Special Enrollment Period
 * Coverage options for the rest of 2023
 * Marketplace tips
 * Dental coverage
 * Medicaid & CHIP
 * How to apply and enroll
 * Picking a plan

Change or cancel plans

 * Check if you can change plans
 * Report income/family changes
 * Cancel a plan

Saving money

 * New, lower costs available
 * Find out if you'll save
 * Save on your premiums
 * Cost-sharing reductions
 * High Deductible Health Plans

How to...

 * Use your coverage
 * Estimate income
 * Find local help
 * Get login help
 * Submit requested documents
 * Appeal a Marketplace decision
 * Confirm your Special Enrollment Period
 * Pay premium & check coverage status

More details if you...

 * Just had a baby or adopted
 * Are under 30
 * Have/offered job-based insurance
 * Are self-employed
 * Are unemployed
 * Qualify for Medicare

Taxes

 * Health care & taxes
 * Form 1095-A
 * 'Reconcile' tax credit

Browse all topics >

Featured

Find out if you qualify for a Special Enrollment Period

2023 Open Enrollment is over, but you may still be able to enroll in 2023 health
insurance through a Special Enrollment Period.


Get Answers
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HOW CAN WE HELP YOU?

Top questions
Get coverage
Update & manage coverage
Costs & savings


 * DO I QUALIFY FOR SAVINGS?
   
   To find out, fill out an application if you qualify for a Special Enrollment
   Period. Enter your household size, state, and estimated 2023 income to find
   out if you qualify to enroll with savings.
   
   You can also answer a few quick questions to preview plans with personalized
   price estimates.


 * HOW DO I ESTIMATE MY INCOME, AND WHAT COUNTS TOWARD IT?
   
   The Marketplace bases savings on your estimated income for the year you want
   coverage.
   
    * Learn how to make an estimate of your expected income.
    * Find out what counts as income.


 * WHAT IF THE MARKETPLACE NEEDS MORE INFORMATION?
   
   You may be asked to submit documents to confirm or add to information on your
   application, like your income, citizenship, or immigration status. You
   can upload documents online, which is the fastest and easiest way to get them
   processed. Or you can mail copies instead.
   
   Learn more about submitting documents.


 * WHAT IF MY INCOME HAS CHANGED FROM WHAT I PUT ON MY APPLICATION?
   
   Update your application online as soon as possible. Premium tax credits and
   other savings are based on your income information on your application.
   
    * Find out which changes to report.
    * Learn how to report changes.


 * WHAT IF I WANT TO CANCEL THE PLAN I’M ENROLLED IN?
   
   How you cancel depends on the reason you’re canceling and which family
   members you’re canceling for. Choose why you're ending coverage for
   step-by-step instructions.


 * HOW DO I PAY MY MONTHLY PREMIUM?
   
   Pay your monthly premiums to your insurance company, not the Marketplace.
   Contact your insurance company to find out when and how to make your
   payments.
   
   Pay by your due date. If you don't, you could lose your coverage.
   
   Get more information on paying your premium.


 * HOW CAN I CHANGE MARKETPLACE PLANS?
   
   Outside Open Enrollment, you can change plans only if you qualify for
   a Special Enrollment Period due to a life event — like changing jobs, getting
   married, or having a baby — or based on estimated household income. You
   usually have 60 days from the life event to enroll in a new plan.
   
   Think you qualify for a Special Enrollment Period? Answer a few quick
   questions, and we’ll tell you how to apply.


 * WHERE CAN I GET TIPS ON USING MY NEW HEALTH INSURANCE?
   
   If you haven’t had health insurance before or if it’s been a while, you can
   learn about using your coverage and improving your health with our "From
   Coverage to Care: A Roadmap to Better Care and a Healthier You" (PDF, 698
   KB).


 * CAN I GET HEALTH COVERAGE OUTSIDE OPEN ENROLLMENT?
   
   Outside Open Enrollment, you can only get health insurance 2 ways:
   
    * With a Special Enrollment Period. You can qualify if you lose job-based
      coverage, have a baby, get married, or have certain other life changes, or
      based on estimated household income.
    * Through Medicaid or the Children's Health Insurance Program (CHIP). You
      can apply any time and can enroll immediately if you're eligible.
   
   Think you may qualify for a Special Enrollment Period? Answer a few quick
   questions to find out.


 * WHERE CAN I FIND 2023 MARKETPLACE PLANS AND PRICES?
   
   Answer a few fast questions to preview plans with personalized price
   estimates before you apply.


 * IF I APPLY WITH A SPECIAL ENROLLMENT PERIOD, WILL I QUALIFY FOR SAVINGS?
   
   The only way to know for sure is to fill out an application. But to get a
   quick idea, select your household size, state, and estimated 2023 income to
   find out if you’re in the range to save.
   
   You can also preview plans and prices and get an estimate of what plans cost
   based on your income.


 * WHAT IF THE MARKETPLACE NEEDS ME TO CONFIRM MY ELIGIBILITY FOR A SPECIAL
   ENROLLMENT PERIOD?
   
   When you apply for Marketplace coverage with a Special Enrollment Period, you
   may be asked to provide documents to confirm the events that make you
   eligible. You must send the documents before you can start using your
   coverage. Learn more about submitting documents.


 * CAN I GET HEALTH COVERAGE OUTSIDE OPEN ENROLLMENT?
   
   Outside Open Enrollment, you can only get health insurance 2 ways:
   
    * With a Special Enrollment Period. You can qualify if you lose job-based
      coverage, have a baby, get married, or have certain other life changes, or
      based on estimated household income.
    * Through Medicaid or the Children's Health Insurance Program (CHIP). You
      can apply any time and can enroll immediately if you're eligible.
   
   Think you may qualify for a Special Enrollment Period? Answer a few quick
   questions to find out.


 * WHERE CAN I FIND 2023 MARKETPLACE PLANS AND PRICES?
   
   Answer a few quick questions to preview plans with personalized price
   estimates before you apply.


 * HOW DO I REPORT CHANGES TO MY INCOME, FAMILY, OR ADDRESS?
   
   You can report changes to the Marketplace 3 ways: online, by phone, or in
   person — not by mail. Learn how to report changes.


 * HOW DO I SUBMIT DOCUMENTS?
   
   You can upload the documents online, which is the fastest and easiest way to
   get them processed. You can also choose to mail copies.


 * HOW DO I PAY MY MONTHLY PREMIUM TO COMPLETE MY ENROLLMENT?
   
   When you have Marketplace insurance, you'll pay your premiums directly to the
   insurance company — not to the Health Insurance Marketplace®. Your coverage
   won't start until you pay your first premium. Get more information on
   completing your enrollment.


STILL HAVE QUESTIONS?

 * Browse all topics
 * Find Local Help/Have agent-broker call you
 * Glossary terms
 * Contact us




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 * For Agents & Brokers

 * For the Media
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CONNECT WITH US

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HHS.gov
A federal government website managed and paid for by the U.S. Centers for
Medicare & Medicaid Services. 7500 Security Boulevard, Baltimore, MD 21244.
Health Insurance Marketplace® is a registered trademark of the Department of
Health and Human Services.
 * Whitehouse.gov
 * USA.gov

--------------------------------------------------------------------------------


RESOURCES

 * About the Affordable Care Act
 * Regulatory and Policy Information
 * For Navigators, Assisters & Partners
 * For Agents & Brokers
 * For the Media
 * For Researchers
 * For States
 * Information in other languages


CONNECT WITH US

 * Questions? Call 1-800-318-2596
 * Find Local Help
 * Visit the HealthCare.gov blog

 * FacebookTwitterYouTube

All Topics | Glossary | Contact Us | Archive
Nondiscrimination / Accessibility | Privacy Policy | Privacy Settings | Linking
Policy | Using This Site | Plain Writing

--------------------------------------------------------------------------------

中文 |  Kreyòl |  Français |  Deutsch |  ગુજરાતી |  हिंदी |  Italiano |  日本語 | 
한국어 |  Polski |  Português |  Русский |  Español |  Tagalog |  tiếng việt | 
HHS.gov A federal government website managed and paid for by the U.S. Centers
for Medicare & Medicaid Services. 7500 Security Boulevard, Baltimore, MD 21244.
Health Insurance Marketplace® is a registered trademark of the Department of
Health and Human Services.
 * Whitehouse.gov
 * USA.gov

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