How to save on your monthly insurance bill with the premium tax credit

When you get health insurance coverage in the Marketplace, you may be able to get lower costs on your premiums.

Cost-sharing reductions

When you get coverage through the Marketplace, you may be able to save money on out-of-pocket-costs like deductibles, copayments, and coinsurance.

Find out if your Medicaid program counts as minimum essential coverage

Quickly and easily check if you have minimum essential coverage to avoid fees. See if you're eligible for premium tax credits and other savings. Get next steps.

Renew, change, update, or cancel your plan

If you were enrolled in a Marketplace health insurance plan, you can re-enroll or change health insurance plans starting November 1.

Automatic re-enrollment keeps you covered

Automatic re-enrollment: Keeps you covered, but it's better to update & shop this year's plans

Open Enrollment letters

By late October, you should get two notices by mail or email. Together they explain your status and options for this year's coverage.

Privacy information regarding third-party services

HealthCare.gov uses third-party services. Get a list of third-party service providers, discover how to opt out, and learn more. Official U.S. government site.

Glossary of Health Coverage and Medical Terms

This glossary defines many commonly used terms, but isn’t a full list. These glossary terms and definitions are intended to be educational and may be different from the terms and definitions in your plan or health insurance policy. Some of these terms also might not have exactly the same meaning when used in your policy or plan, and in any case, the policy or plan governs. (See your Summary of Benefits and Coverage for information on how to get a copy of your policy or plan document.)

Marketplace coverage & COVID-19

See how your Health Insurance Marketplace® coverage is affected by coronavirus (COVID-19). Health plan treatment same as other viral infections. Official HC.gov site.

Other Language Resources

Other Language Resources

How to reconcile your premium tax credit

If you had a Marketplace plan and used advance payments of the premium tax credit (APTC) to lower your monthly payment, you’ll have to “reconcile” when you file your federal taxes.

Privacy Act Statement

The Privacy Act Statement application represents that you have permission from all of the people whose information is on the application to both submit their information to the Marketplace, and receive any communications about their eligibility and enrollment.


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