Individual Marketplace
To be eligible to enroll in health coverage through the Marketplace, you:
Must live in the United States.
Must be a U.S. citizen or national (or be lawfully present). Learn about eligible immigration statuses.
Can't be incarcerated.
If you have Medicare coverage, you’re not eligible to use the Marketplace to buy a health or dental plan.
The Open Enrollment period for Marketplace coverage is typically November 1 through December 15. Consumers must complete their plan selections by December 15 and generally must pay their portion of the premium by the issuer’s deadline for their health coverage to become effective on January 1.
If you qualify for a Special Enrollment Period, due to a life event like losing other coverage, getting married, moving, or having a baby, you can enroll any time.
When you apply for coverage in the Health Insurance Marketplace®, you’ll find out if you qualify for a “premium tax credit” that lowers your premium — the amount you pay each month to your insurance plan.