When Can You Enroll In The Health Insurance Marketplace?

The Marketplace is the place to shop for coverage if you don't have access to job-based insurance or government programs like Medicare, Medicaid, or CHIP. You can also use the Marketplace to buy insurance if you're self-employed or can't afford the coverage offered at work. If you qualify for a government program, you'll be directed to the right place to apply.

Most people can start shopping for Marketplace coverage on November 1 and have coverage starting as early as January 1. But if you want your coverage to start on January 1, you must enroll by January 15.

Here are some other key dates to keep in mind:

• November 1, 2022: The 2022 Open Enrollment Period begins. If you don't have health insurance for 2022 and don’t qualify for an exemption, you can be penalized when you file your taxes next year.
• December 15, 2022: The deadline to enroll in a plan for coverage starting January 1, 2023.
• January 1, 2023: Coverage can begin for those who enroll or make changes to their Marketplace plan by December 15.
• January 31, 2023: The 2022 Open Enrollment Period ends. If you don't have health insurance for 2022 and don’t qualify for an exemption, you can be penalized when you file your taxes next year.

Learn more about important dates and deadlines »

If you don't have health insurance through a job, Medicare, Medicaid, the Children's Health Insurance Program (CHIP), or another source that meets the Affordable Care Act's requirements, you can use the Health Insurance Marketplace to enroll in a private health insurance plan.

Open enrollment for 2022 coverage starts on November 1 and ends on January 15. If you have a life change — like losing health coverage, getting married, or having a baby — you may be able to enroll in a Marketplace plan outside of the open enrollment period.

If you're enrolled in a Marketplace plan, you can update your application any time to add or remove a person from your coverage. You can also change plans or switch from one type of Marketplace insurance to another. But if you want to make changes to your coverage for next year, you'll need to wait for the next open enrollment period.

There are 4 " Metal " levels of plans available in most states:

• Bronze: Has the widest range of doctors and hospitals. Covers 60% of average medical costs.
• Silver: Narrows your choices of doctors and hospitals. Covers 70% of average medical costs.
• Gold: Covers 80% of average medical costs.
• Platinum: Has the smallest network of doctors and hospitals. Covers 90% of average medical costs.

To get an estimate of what your monthly premium could be, check out this tool from Healthcare.gov. If you need help paying for your premiums or other out-of-pocket costs, healthcare.gov can tell you if you qualify for subsidies or cost-sharing reductions that lower how much you pay each month or when you get health services. You can also find out if your state has a program that can help pay your premiums.

What Is The Marketplace For?

The Health Insurance Marketplace is a way for people to get health insurance. It's also a way for people to find out if they qualify for lower costs on their monthly premiums and out-of-pocket costs. The Marketplace is open to everyone, and it's the only place where you can get financial assistance to help pay for your coverage. You can't be denied coverage in the Marketplace, and all plans there meet certain standards. The Health Insurance Marketplace is a new way to get health coverage. If you don't have coverage now, or if your health insurance doesn't cover all the services you need, the Marketplace can help you get covered.

How Do I Set Up An Account On Marketplace?

You can create an account on Marketplace in minutes by going to and providing some basic information about yourself.

If you'd prefer, you can also start the process by calling 1-800-318-2596 to speak with a customer service representative who can help you set up an account.

How Do I Log Into Marketplace?

If you want to sign in to your HealthCare.gov account to finish your application, renew your coverage, report a life change, or take other actions, there are two ways to sign in:

Sign in using your username and password.
If you created an account on HealthCare.gov, you created a username and password. You’ll need both of these to sign in.

Sign in with an email address.
If you applied for or enrolled in a health insurance plan through the Marketplace using an email address but didn’t create a username and password, you can still sign in using your email address.

How Do I Get Health Insurance Without A Job?

If you're unemployed you may be able to get health insurance through the Health Insurance Marketplace. The Marketplace is a way to find and compare health insurance plans in your state. You may be able to get lower costs on monthly premiums and out-of-pocket costs.

There are 4 steps to apply for coverage in the Marketplace:

• 1. Fill out an application
• 2. See if you can get lower costs on monthly premiums and out-of-pocket costs
• 3. Select a plan
• 4. Enroll in a plan

You can fill out an application for the Marketplace online, by mail, or in person. If you don't have internet access, you can call 1-800-318-2596 to apply.If you qualify for lower costs, you'll need to pick a health insurance plan before you can enroll. After you select a plan, you can enroll in it. Enrolling in the Marketplace is different from signing up for health insurance through your job. When you enroll in the Marketplace, you usually can't get subsidies to lower your costs unless you have a job that doesn't offer health insurance or the job offers health insurance that is considered unaffordable or doesn't meet minimum standards. Learn more about how to get help paying for marketplace coverage.

The Health Insurance Marketplace is a great way to get affordable health coverage. But when can you enroll? Read on to find out!