Marketplace for Families

Who Can Apply

To be eligible to enroll in Marketplace health coverage, you must live in the United States, be a U.S. citizen or national (or be lawfully present), and not be incarcerated.

When Can I Apply

1. Open Enrollment (OP) is November 1-January 15

• Enroll by December 15 for coverage starting January 1; or enroll between December 16 to January 15 for coverage starting February 1.

2. Outside Open Enrollment, you can get coverage or change plans only if you have a life change or income change that qualifies for a Special Enrollment Period (SEP).

Most people qualify for Federal tax savings

Depending on your expected household income for the year, you may qualify for:

• Lower costs for your Marketplace plan, like the premium tax credit that lowers your monthly plan premium, and for extra savings on out-of-pocket costs like deductibles, copayments, and coinsurance.

All Marketplace plans cover:

• 10 essential health benefits, including prescription drugs, emergency services, hospitalization, laboratory services, and mental health and substance use disorder services
• Free preventive health services at no cost to you when delivered by a doctor or provider in your plan’s network
• Coverage for pre-existing conditions

You can apply for coverage:

by contacting Paul Herman at Paul@HermanHealthInsurance.com, or by Self-Enrolling by clicking:  Marketplace Self-Enroll