Marketplace

The Marketplace is your one stop shop for applying for healthcare coverage. It is a simple single-stream application that will help you find out what you are eligible for today.

The Health Insurance Marketplace helps uninsured people find health coverage.

The Marketplace offers:

  • Private health insurance. Plans cover essential health benefits, pre-existing conditions, and preventive care.
  • Lower costs through tax credits based on your household size and income. You can preview plans available in your area right now, with prices based on your income and household size. Most American Indians and Alaska Natives who apply will qualify for tax credits. Tax credits reduce the amount of the monthly premium.
  • Special benefits for enrolled members of federally recognized tribes and Alaska Native Claims Settlement Act (ANCSA) Corporations.  Members may enroll in zero or limited cost sharing plan variations and are eligible for monthly enrollment in Marketplace plans.
  • Medicaid and the Children’s Health Insurance Program (CHIP). These programs cover millions of families with limited income. If it looks like you qualify, the Marketplace will share the information with your state agency and they’ll contact you. Enrollment in Medicaid and CHIP is available year round to qualified individuals.
  • Continued use of the Indian Health System. If you have health insurance, you and your family will still be able to use your local IHS, tribal, or urban Indian clinic. Additionally, you will have access to more providers and services.
  • Stand Alone Dental Plans. Dentistry for children under 19 years old is covered in all private Marketplace Health Insurance Plans. However, tax credits and cost sharing reductions do not apply to these adult Stand Alone Dental Plans.

 

Three types of Marketplaces. Each state is required by law to have a Marketplace. 

  • Federally-Facilitated Marketplace: States that have opted to have the Department of Health and Human Services (HHS) run its Marketplace and use www.healthcare.gov.
  • State-based Marketplace: States that run their own Marketplace and have their own Marketplace webpage. If you don’t know your state specific website, you can visit www.healthcare.gov and be directed to the right webpage.
  • State-partnership Marketplace: States that run its Marketplace in partnership with HHS.

 

You’re considered covered if you have: Medicare, Medicaid, CHIP, any job-based plan, any plan you bought yourself, COBRA, retiree coverage, TRICARE, VA health coverage, or some other kinds of health coverage. IHS is not considered insurance so you may want to check out your options for coverage in the Marketplace here.

 

You can also buy a plan outside the Marketplace and still be considered covered. If you buy outside the Marketplace, you won’t be eligible for premium tax credits or lower out-of-pocket costs based on your income.

 

If you’re eligible for job-based insurance, you can consider switching to a Marketplace plan. But you won’t qualify for lower costs based on your income unless the job-based insurance isn’t considered affordable or doesn’t meet minimum requirements.

 

If you have Medicare, you’re considered covered and don’t have to make any changes. If you have Medicare, you can’t use the Marketplace to buy a supplemental plan or dental plan.

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