Get Health Insurance
“How to Enroll” video
If you have questions, you can contact:
Consumer Education & Enrollment Specialist
Assists consumers enroll into health insurance through the Marketplace.
You can also download our “Get Insured. Stay Insured.” toolkit which has information and forms to help you get & use your health insurance.
How to enroll in health insurance
1. Find out if you are eligible.
You are eligible to buy coverage on the Health Insurance Marketplace if you:
• Are a US citizen or are legally present in the US and
• Are not currently in jail or prison
You may be eligible for help paying for your health insurance if you are eligible for Marketplace coverage AND you:
• Have a yearly household income that falls anywhere in the table below;
• Are NOT offered health insurance through your job OR the health insurance that is offered is more than 9.5% of your yearly household income and/or it does not cover at least 60% of the cost of benefits (This Employer Coverage and Tax Credits worksheet may be helpful, if you think this situation applies to you. Additionally, speak with your employer because you will need to show proof of what your employer’s plan costs and what it covers).
You may get financial help if your income falls between these amounts.
Income Range for the Open Enrollment Period (for 2016 Coverage) by Family Size
Single Person $11,770 to $47,080
Family of 2 $15,930 to $63,720
Family of 3 $20,090 to $80,360
Family of 4 $24,250 to $97,000
Family of 5 $28,410 to $113,640
NOTE: The current open enrollment period runs through January 31, 2016. You may qualify for a special enrollment period, outside of open enrollment, if you experience a life-changing event such as marriage, birth, moving to another state, or a loss of coverage. To see if you qualify, go to www.healthcare.gov or call the Health Insurance Marketplace at 1-800-318-2596.
2. Gather the Information You Need to Enroll
Have this information ready when you enroll. Note that you will need this information for anyone listed on your tax return, even if you are only seeking coverage for yourself.
- Income Documents: W2 or recent pay stubs, Social Security benefit letter, and information on any other income you receive — even if you don’t pay taxes on it
- Employer’s information: Phone # and address
- Citizenship & Immigration Documents: If you are not a US citizen, you will need a citizenship certificate, immigration documents, refugee travel documents, green card, or other eligible status documents
3. How to Apply
• Go to www.healthcare.gov
• Create an account — you will need an email address for this
• You can complete your application and even select a plan online. You may be able to pay your first premium too.
• Call 1-800-318-2596
• Complete the application with the phone representative
• The representative will tell you how much, if any, financial assistance you are eligible for and discuss the available plans. You can even select a plan over the phone.
• Visit LocalHelp.HealthCare.gov to find free in-person help in your area.
• Schedule an appointment with an enrollment assister, who will help you enroll.
• Bring the documents listed above to your appointment.
“We would have never known that our retirement income could still qualify us for subsidies. This is great.” Retired in 2015, they found out with the help of an enrollment assister that their retirement income qualified them for financial help in the Marketplace. They enrolled in a plan that was $700 per month cheaper than their previous plan.