Frequently Asked Questions

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FAQ

By Topic: Health Insurance Marketplace (Exchange)


How do consumers apply for coverage and enroll in a health plan through the Health Insurance Marketplace?
Consumers can file a marketplace application online, by phone through a toll-free call center, by mail or in per... (more)

What premiums will be charged in Health Insurance Marketplaces?
Prices for policies sold in the marketplaces have not been established yet.  The law makes clear that insurers w... (more)

Can you provide information about how Medicare and the Affordable Care Act relate to each other?
The Affordable Care Act takes important steps to strengthen Medicare.  People with Medicare get new benefits – l... (more)

What are Health Insurance Marketplaces?
Health Insurance Marketplaces are State-based competitive marketplaces where people and small businesses can shop for... (more)

How can consumers afford the health insurance offered in Health Insurance Marketplaces?
Financial help is available to many consumers who are uninsured and have low income through tax credits and cost-shar... (more)

How can my organization apply to become a Certified Application Counselor?
Information about becoming a Certified Application Counselor, including the application may be found here: ... (more)

Where can I find information about how to become a licensed broker in the Health Insurance Marketplace?
For information about how to become an agent or broker in the Health Insurance Marketplace, please visit the Agent an... (more)

Will I be eligible to buy insurance in the Health Insurance Marketplace?
Information about who will be eligible to buy insurance in the Health Insurance Marketplace can be found on the Healt... (more)

What if my State isn’t expanding Medicaid?
Information about the Medicaid Expansion, including options for people in states where Medicaid is not expanding is a... (more)

What is the difference between the Health Insurance Marketplace and the traditional insurance market?
The marketplaces will improve today’s broken insurance markets for consumers and small businesses.  They achieve... (more)

When can consumers enroll in a plan through Health Insurance Marketplaces?
The first open enrollment period will be October 1, 2013 through March 31, 2014 (a 6-month period).  Consumers m... (more)

How can my group become a Navigator?
Thank you for your interest in becoming a Navigator. The funding opportunity announcement to apply for a Navigator co... (more)

I have specific questions about how the Health Insurance Marketplace will work given my family’s specific c...
If you have questions about the Health Insurance Marketplace for individuals and families? Call our call center at 1-800... (more)

I am self-employed, should I use the Individual or the SHOP Marketplace? What if I own a small business tha...
If you are self-employed and have no employees other than yourself, use the Individual Marketplace.  If you have... (more)

What are the different types of In-person assistance available?
To learn more about the different types of in person assistance options, including the training requirements for each... (more)

I have Medicare. How will the Health Insurance Marketplace impact me?
Information about Medicare and the Marketplace can be found on the Healthcare.gov website at: ... (more)

Where can I find the schedule for upcoming educational webinars about the Health Insurance Marketplace?
The schedule for Marketplace educational webinars in August and September is available here: ... (more)

What is a Champion for Coverage?  How can my group become a Champion for Coverage?
Information about Champions for Coverage, including how your organization can become one, can be found here: ... (more)

What do Health Insurance Marketplaces mean for small businesses?
Starting in 2014, a Small Business Health Options Program (SHOP) marketplace will be available in each state.  S... (more)

Who will run Health Insurance Marketplaces?
States will have the resources and support to help them develop and run their own marketplace to meet local needs, as lo... (more)

What are the advantages of using a Health Insurance Marketplace?
The marketplace in each state will help consumers find insurance coverage that fits their needs by: ... (more)

I have specific questions about how the Health Insurance Marketplace will impact my small business. Where c...
If you have questions about the SHOP Marketplace for businesses with 50 or fewer employees, call 1-800-706-7893 (TTY use... (more)

What do Health Insurance Marketplaces mean for consumers?
The marketplace is a single place where consumers can apply for and enroll in health insurance coverage that’s right ... (more)

Is financial help available for small businesses who participate in Health Insurance Marketplaces?
Some small businesses who offer coverage to employees through the Small Business Health Options Program (SHOP) will q... (more)

Will long term care insurance be offered in a Health Insurance Marketplace?
No.  By law the Health Insurance Marketplace may only be used to sell Qualified Health Plans (QHPs) and s... (more)