Essential health benefits for pre-existing conditions are covered under all Marketplace plans.

Most health plans must cover a set of preventive services like shots and screening tests at no cost to you. This includes Marketplace private insurance plans.

Learn about the essential health benefits that all private health insurance plans offered in the Health Insurance Marketplace® must cover.

Review these steps to decide whether to pick job-based health insurance or enroll in a Marketplace plan:

If you have a health plan through a job, you can use a Flexible Spending Account (FSA) to pay for health care costs, like deductibles, copayments, coinsurance, and some drugs. They can lower your taxes.

Learn about your options if you leave your job or lose your coverage. Visit Healthcare.gov to see the health care options at the Health Insurance Marketplace®.

Learn your options if you have or are offered job-based health insurance. 

After you mail an exemption application to the Health Insurance Marketplace®, we’ll review it and determine if you qualify

You no longer pay a tax penalty for not having health coverage. If you don’t have health coverage, you don’t need an exemption to avoid paying a tax penalty.

You might need to qualify for an exemption to enroll in Catastrophic coverage, if that’s what you choose and meet certain requirements. There are 2 types of exemptions: Affordability and hardship.

Find out if you qualify for lower costs on Marketplace health insurance coverage at HealthCare.gov.

Find out if you qualify for lower costs on Marketplace health insurance coverage at HealthCare.gov.