Who can apply
['Marketplace eligibility, financial assistance and any Special Enrollment Period are determined through the application. Your state may operate its own Marketplace.']What help is available
The application lets you explore health plans and potential financial assistance. Compare premiums, deductibles, prescription coverage and provider networks before selecting a plan.
Documents to prepare
Prepare household and income information and details of any current coverage. If using a Special Enrollment Period, follow requests for evidence of the qualifying event and its date.
How to get started
Use HealthCare.gov’s application options to apply online or find phone, paper and assisted application routes. Check the current enrollment notice before relying on a deadline.
After applying
Review eligibility results, complete any document request and select a plan when eligible. Confirm the insurer’s payment and start-date instructions. Keep Marketplace income estimates current when circumstances change.
Website screenshots
These images show the pages captured in August 2026. Website screens and rules may have changed.
Common questions
Can I apply outside annual enrollment?
A qualifying Special Enrollment Period may allow enrollment. Check your circumstances with the Marketplace.
Is selecting a plan the same as making the first payment?
No. Follow the insurer’s instructions to complete enrollment and confirm coverage.
Can I get help completing an application?
HealthCare.gov lists assisted application options.
Will every state use HealthCare.gov directly?
Some states operate their own Marketplace; follow the route for your state.
Sources and review
- HealthCare.gov application methods
- HealthCare.gov enrollment dates
- CMS March 2026 enrollment guidance
- USA Assistance background and screenshots
Historical screenshots: source reference.