What Marketplace health insurance plans cover

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

Steps to decide between job-based or Marketplace coverage

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

Using a Flexible Spending Account (FSA)

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.

If you lose job-based health insurance

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®.

If you have job-based insurance

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

After you apply for a health coverage exemption

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

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

Health coverage exemptions, forms & how to apply

See all health coverage exemptions for the tax year. If you qualify for one of these exemptions, you don’t have to pay the fee for the months the exemption applies.

Who to include in your household

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

How to estimate your expected income

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

What to include as income

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

Cancel your Marketplace plan

Tell the Health Insurance Marketplace® about changes to your income, household, or plan.


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