How Do You Use the Online Health Insurance Marketplace?


Quick Answer

Applicants looking to use the online Health Insurance Marketplace should visit Healthcare.gov to begin the application process by creating an account, completing the online application form, getting results and selecting an available plan from those offered on the marketplace. The organization limits enrollment to specific periods, but applicants can see if they qualify for special exemptions for late registration using the marketplace at any time, as of 2015.

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Full Answer

Healthcare.gov houses the official government Health Insurance Marketplace, but some states have their own websites for local citizens. The federal website redirects those users to the state exchanges to follow a similar process. Creating an account requires the user’s name, state of residence and an email address. Users may then fill out the form online with information regarding income, family size, and other pertinent and personal information.

The online tool processes the information and informs applicants if they qualify for health care plans on the exchange and what, if any, subsidies they may receive to help cover the costs. Qualified applicants may then browse the selection of available plans in their area and choose a plan from local providers. During open enrollment, users may sign up for policies and finish the enrollment process completely online. Open enrollment begins Nov. 1 for the following year.

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