Health Insurance Marketplace Basics
Find out what you need to know to keep yourself covered.
The health insurance exchanges are places where individuals, families, and small employers can compare private health insurance plans and shop for coverage.
Through exchanges, many lower-income individuals can get help to reduce their out-of-pocket costs (deductibles, coinsurance, or copayments) when they receive health care services.
Insurers may sell plans through the exchange as well as in the market outside the exchange. Premium tax credits and cost-sharing reductions are not available for plans outside the exchange.
To apply for coverage through the Health Insurance Marketplace, individuals and families should visits HealthCare.gov.
For more general information about health insurance exchanges, visit the federal government’s website: click here.
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