Q:

How can a person apply for health insurance?

A:

Quick Answer

To apply for health insurance, create an account at HealthCare.gov, complete your application, review your eligibility results, and select and enroll in a plan. You can also apply in person, by mail or over the phone. Visit HealthCare.gov for relevant phone numbers, mailing addresses and local organizations.

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Full Answer

  1. Create an account

    Open your Web browser, and navigate to HealthCare.gov. Click Get Coverage, select your state from the drop-down list, and click the Get Coverage button. When prompted, supply basic personal information, and choose a user name, password, and security questions and answers.

  2. Fill out an application

    To complete the application, provide your income and current health coverage information. If you are also applying for a spouse or child, you need to provide their personal information, including Social Security numbers as well as your spouse's income.

  3. Review your eligibility results

    If you are eligible for health insurance from the Marketplace, a list of available plans and tax credits are made available. If you are eligible for Medicaid or the Children's Health Insurance Program (CHIP), those results populate the screen. From the list of eligible plans, review the premiums and benefits of each.

  4. Select and enroll in a plan

    When you find a plan that fits your needs, select it from the list, and follow the directions provided by the plan's insurer to complete enrollment. Contact the insurer directly to pay your first month's premium.

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