How do I sign up for insurance?

Where do I go to sign up for coverage?

You can sign up for coverage on the federal Marketplace (Healthcare.gov) or the state Marketplace, depending if your state operates its own Marketplace. If you visit Healthcare.gov, you can either sign up directly for coverage or you will be redirected to your state’s Marketplace. Additionally, in person or online enrollment assistance may be available to assist with completing a private insurance or Medicaid application.

How do I know if I qualify for Medicaid or CHIP coverage?

You may qualify for low-cost or free health insurance through Medicaid or the Children’s Health Insurance Program (CHIP) depending on your income and what state you live in. If you qualify for either program, you can enroll anytime, without waiting for the enrollment period.

To find out if you’re eligible for low-cost or free health insurance, visit your state’s Medicaid agency. If you apply for coverage on Healthcare.gov, the system will notify you that you may be eligible for Medicaid or CHIP coverage in your state. You may be directed to give your state additional information before you are eligible for Medicaid or CHIP is confirmed.

Please note: Healthcare.gov doesn’t notify people if they’re eligible for limited Medicaid programs that cover only family planning services. Visit your state’s Medicaid agency to find out if you’re eligible.

Do I need to apply for coverage every year if I already have insurance?

If you enrolled in a Marketplace health insurance plan during the last enrollment period, your coverage will automatically renew. However, it’s still important to update your application every year. Make sure that you’re auto-enrolled in a plan that best fits your needs, and and that you’re getting financial assistance if you qualify.

People with Medicaid or insurance through their job don’t have to do anything during the open enrollment period. If you have health insurance through your job, check with your employer to see if you have to update your information. If you’re covered through the Medicaid program, your state may periodically confirm your eligibility.

Need help applying for coverage? These tools can help:

Find in-person enrollment assistance here  

Health Sherpa, a for-profit broker, has also partnered with Planned Parenthood to assist consumers with enrolling on the Health Insurance Marketplaces and Medicaid.