Individuals interested in signing up for health insurance under ObamaCare first have to visit the Healthcare.gov website or call the Health Insurance Marketplace on the toll-free number. However, individuals must do so during open enrollment unless they have a change in coverage that falls under a special enrollment period.
Once a consumer is in contact with the Health Insurance Marketplace, he is asked to provide information regarding their location, age, family size and employment. Consumers may also be asked for information regarding any previous health conditions or insurance coverage, as well as whether or not they are eligible for health insurance under a spouse's or parent's plan. This information is then used to provide the consumer with insurance plans and specific rates that are available.
Consumers should also be prepared to provide information on their income and any benefits received from the state or federal government. This information is used to determine whether or not the consumer qualifies for any subsidies or payment assistance for insurance premiums.
After all necessary information is entered the applicant is shown the different policy options that are available. These options include information on what is covered by the plan, the insurance provider and the monthly premium. Applicants also receive information on the deductible, out of pocket limits and any restrictions to coverage. The applicant can then select the plan that best fits his needs and proceed to purchase.