Read the Affordable Care Act

Read the Affordable Care Act. Several versions available. The law, also known as Obamacare, signed into law on March 23, 2010.

Reporting income deductions

You can deduct some expenses from your income on your Marketplace application.

Reporting income

You’ll be asked to provide income information for each person when completing your application, including your spouse and all tax dependents. If someone has more than one source of income, you’ll report each source separately.

Were you found not eligible for Medicaid or CHIP?

The notes below can help you answer the following question on the Marketplace application.

  • Note: If you haven’t applied for Medicaid or CHIP, don’t check the box.
Private plans outside the Marketplace outside Open Enrollment

In some limited cases insurance companies sell private health plans outside Open Enrollment that count as qualifying health coverage.

  • The Marketplace doesn’t list or offer these plans. The only way you can enroll in a health plan through the Marketplace outside Open Enrollment is if you qualify for a Special Enrollment Period.
  • You can find these plans through some insurance companies, agents, brokers, and online health insurance sellers. If you buy a plan outside the Marketplace any time, during Open Enrollment or not, you can’t get premium tax credits or other savings based on your income.
  • Insurance companies can tell you if a particular plan counts as minimum essential coverage. Each plan’s Summary of Benefits and Coverage also includes this information.

Note: Most health plans sold outside Open Enrollment don’t count as qualifying health coverage.

How can I get consumer help if I have insurance?

Learn about your options under the Health Care Consumer Assistance Program at Healthcare.gov. Read about Obamacare and the choices it affords you today

Reporting your permanent home address

Where you live can affect what health coverage you’re eligible for as well as your eligibility to get help paying for coverage. You must be a resident in the state where you’re applying for coverage.

How to find low-cost health care in your community

Learn how to get free or low-cost health care and dental care at your community health center even with no insurance.

Health Insurance Essentials

Get information about your health insurance options and the Health Insurance Marketplace® at Healthcare.gov

Getting regular medical 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.

No disability benefits, no health coverage

If you have a disability, don’t qualify for disability benefits, and need health coverage, you have options in the Health Insurance Marketplace®.

Exemptions from the requirement to have health insurance

Most people must have qualifying health coverage or pay a fee for the months they don’t have insurance. But if you qualify for a health coverage exemption you don’t have to pay the fee

Medicaid & CHIP for American Indians and Alaska Natives

Medicaid and the Children’s Health Insurance Program (CHIP) are available for qualifying American Indians and Alaska Natives. Find out if you’re eligible at Healthcare.gov.

After you submit your documents

What to expect after you submit verification information. Find out how & when Marketplace will respond, confirm health coverage. Links to contact info

Agents & Brokers: Sell Marketplace health insurance for 2022

Get ready to sell health and dental plans to individuals, families, and small businesses through the Health Insurance Marketplace®. Just register, complete brief training, and start selling.

The Marketplace application and disabilities

When you fill out an application for coverage from the Health Insurance Marketplace®, you’ll be asked several questions about disabilities. Get information to help you answer the questions.

Protection from employer retaliation

Learn about protection from employer retaliation if you buy a Marketplace health plan or report violations of the Affordable Care Act.

Doctor choice & emergency room access

You have the right to choose the doctor you want from your health plan’s provider network. You also can use an out-of-network emergency room without penalty.

Ending lifetime & yearly limits

The health care law stops insurance companies from limiting yearly or lifetime coverage expenses for essential health benefits.

Rights & protections

Whether you need health coverage or have it already, the health care law offers rights and protections that make coverage fairer and easier to understand.


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