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The Health Insurance Marketplace, which you can access at HealthCare.gov, is run by the federal government. It allows insurance seekers to learn about different health plans, compare them and enroll in health insurance. The website also helps you apply for financial assistance programs.
Compare Health Insurance Plans
At HealthCare.gov, you can view the available health insurance plans that cover your area. Each plan may vary in the coverage it provides and the costs it charges you for those benefits. By viewing all of this information in one convenient location, you can more easily identify which health insurance plan makes the most sense for your situation.
Learn About Your Insurance
Not only can you learn more about how these health programs work, but you can also view details about your own coverage. If you still need to brush up on the basics of health insurance, the site has resources to guide you.
Check Eligibility for Savings Programs
You can view the qualifications for Medicaid or the Children’s Health Insurance Program (CHIP) on the website. If you qualify, you can apply for those programs with no enrollment period restrictions.
Enroll in a Health Insurance Plan
Once you’ve chosen a health insurance plan that fits your needs, you can enroll in the plan directly from the HealthCare.gov website.
Get Started with the Health Insurance Marketplace
To take advantage of the tools and resources the Health Insurance Marketplace offers, you first need to create an account. You will need to provide basic information, such as your name, address, and email address. Some states have their own marketplace for health insurance, and if this is the case in your state, the website will direct you to that system.
To apply for marketplace coverage, you will need to prepare some information. The application will ask for basic personal information as well as information about your household. This will include anyone who lives with you, even if they file their own tax return. You also need to provide a home or mailing address and information about everyone applying for coverage, including their Social Security numbers. If a professional is helping you apply, you will be asked to share their information. If you or someone else on your application are an immigrant, you will need to share information from the immigration documents.
You also need to provide tax and dependent information, information about your employer, and any income you and your household receive. From that information, you will need to estimate your household income. If someone in your household has a health plan, you will be asked for that information. Finally, you will need to complete the Employer Coverage Tool for anyone in your household who is eligible for coverage through a job and a Health Reimbursement Arrangement notice if applicable.
Once you’ve submitted your application, you will be able to see if you are eligible for a marketplace plan or one of the savings programs available. You can then view your coverage options and compare plans to find one that best meets your needs. Enroll in a plan, and you will be mailed your new coverage information.
Can we assist you with health insurance coverage? Insured for Life is here to find you the best coverage available and make sure you take advantage of the cost savings you are eligible for. Call us today to meet with a licensed agent.
