Even working families can pay less for health coverage. You may be eligible for a free or low-cost plan or a tax credit that can be used to lower your monthly premiums right away. See below for more information on these types of help. You’ll answer questions to see if you qualify for a break on costs.

Even if your income may be too high to get help paying for health coverage, you can still get a good deal on coverage through the Marketplace, and you won’t pay higher costs for pre-existing conditions. Pre-existing conditions are health problems a person has before the date a new health insurance policy starts. You can’t be charged more because of a pre-existing condition when you get coverage through the Marketplace.

If you’re offered a state employee health benefit plan through a job or a family member’s job, select “Yes.” Most people who work for the state or local government have the option to be covered through the state employee health benefit plan. These workers can usually cover their spouses and children through the plan. People who work at state universities may also be able to get this plan. If you could get a state employee plan because of your job or your relative’s job, select “Yes.”

If your coverage ended, you may be asked why. We’re asking this because sometimes children have a waiting period between ending employer-sponsored coverage and starting coverage through the Children’s Health Insurance Program (CHIP). There may be exceptions to that waiting period, based on the reason that the employer-sponsored coverage ended.

Entering this information will help the U.S. Department of Health and Human Services (HHS) better understand and improve the health and health care for all Americans. Providing this information won’t impact your eligibility for health coverage, your health plan options, or your costs in any way.

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.

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.

You may be asked if anyone on your application was recently turned down for coverage through your state's agency for Medicaid or the Children's Health Insurance Program (CHIP).

Note: If you haven't applied for coverage previously and have been denied Medicaid or CHIP by your state agency, don't check the box.

You may also be asked to select the name of anyone on your application who applied for coverage through their state Medicaid or CHIP agency or the Marketplace during a specific period of time or after a qualifying life event.

Medicaid and CHIP programs may be called different names, like “Medical Assistance,” “All Kids,” or “Family Care.” See what they’re called in your state.

See why you should prepare for next Open Enrollment now. Update information, compare plans, changing health insurance plans, re-enroll for next year.

You may get a letter from your state telling you that someone on your application doesn’t qualify for Medicaid and the Children’s Health Insurance Program (CHIP) in your state.

Learn what preventive services for adults — like shots and screenings — are covered by Marketplace insurance

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.