When you get coverage through the Marketplace, you may be able to save money on out-of-pocket-costs like deductibles, copayments, and coinsurance.
If everyone on your application has Marketplace coverage with financial help and was determined eligible for coverage through Medicaid or the Children’s Health Insurance Program (CHIP), you should take one of these steps, depending on your situation:
Wondering if traditional group coverage—like a plan offered through the Small Business Health Options Program (SHOP)—or a Health Reimbursement Arrangement (HRA) is right for your small business? Understanding eligibility requirements, coverage options, and costs can help you decide which option fits the needs of your small business and employees.
The difference between certain types of HRAs and traditional group coverage
What's an excepted benefit HRA?
If you offer group coverage, you may be able to help reimburse your employees for certain health benefits up to an annual maximum of $1,950 in 2023 (adjusted annually for inflation), like vision or dental coverage, coinsurance and copayments for individual coverage, short-term health insurance, or other health care costs. This type of HRA isn’t allowed to reimburse premiums for individual coverage, traditional group health plans (other than COBRA or other continuation coverage), or Medicare. Review frequently asked questions about HRAs for individual coverage and excepted benefits (PDF, 408 KB).
Employees: Understanding HRAs
To log in to your Marketplace account, you’ll need to enter your username and password. If you forgot them, there are certain steps to follow.
If you can’t log into your Marketplace account, follow these steps before contacting the Marketplace Call Center.
Get information on rules and options for immigrants at Healthcare.gov.
Immigrants who are U.S. citizens or U.S. nationals are eligible for coverage through the Health Insurance Marketplace®.
Find out which documents can be used to show your immigration status when applying for coverage through the Health Insurance Marketplace®.
See tax requirements for Health Insurance Marketplace® Coverage bought in 2017. Learn when to expect forms 1095-A, 8962, what to do next.
See tax requirements for Health Insurance Marketplace® Coverage bought in 2019. Learn when to expect forms 1095-A, 8962, what to do next.
See tax requirements for Health Insurance Marketplace® Coverage bought in 2015. Learn when to expect forms 1095-A, 8962, what to do next.
See tax requirements for Health Insurance Marketplace® Coverage bought in 2016. Learn when to expect forms 1095-A, 8962, what to do next.